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HANOVER
FIRE INSURANCE COMPANY <!
OF THE CITY OF NEW-YORK.
Office, No. 120 Broadway, corner of Cedar Street.
[Incorporated 1852.]
CASH ASSETS OVER
$1,500,000.
B. S. WALCOTT, President
I. REMSEN LANE, Secretary. C. L. ROE, Ass't Secy, City Deft.
AGENCIES IN ALL THE PRINCIPAL TOWNS IN THE UNITED STATES.
Eastern Agency Department THOMAS JAMES, Actuary.
Western & Southern Agency Departm't/' Underwriters' Agency, "A. STODD ART,Gen'l Ag't.
FARRAGUT
Fire Insurance Company,
OF THE CITY OF NEW-YORK.
346 BROADWAY,
Branch Office, No. 61 Liberty Street.
1)U1J
lyai
Capital ani Surplus, - $425,000
I
JOHN M. FURMAN, President.
JOHN E. LEFFINGWELL, Vice-Pres't. SAMUEL DARBEE, Sec'y.
DIRECTORS,
JOHN M. FURMAN President.
E. K. EAMES H. B. Claflin & Co.
PHILO C. CALHOUN....Pres't Fourth Nat'l Bank.
WM. H. BEERS'. Vice-Pres't N. Y. Life Ins. Co.
N. U. MORGAN Brooklyn.
WM. MULLIGAN 120 Broadway.
SEYMOUR L. HUSTED, Prcs. DimeSav.B'k, B'klyn.
ECKFORD WEBB, Late of Webb, McLoughlin & Co.
JAMES L. BOGERT New-York.
CHARLES A. DENNY Denny, Poor & Co.
WM. H. STEWART Chase, Stewart & Co.
WM. WATSON, Jr W.ntson, Townley & Co.
MARCUS F. HODGES, President HofTm.an Ins. Co.
W. F. SHIRLEY New-York.
A. H. GODWIN Paterson, N. J.
JAS. M. DUNBAR James L. Little & Co.
S. S. FISHER Manufacturer.
GEORGE H. JONES New- York.
J. EMILE GOLL New.irk, N. J.
SAM UEL COOPER 7 Pine Street.
STEWARl' L. WOODFORD Brooklyn.
EVERETT CI.APP 137 Broadway.
JOHN E. LEFFINGWELL Vice-President.
The American Agriculturist
IS A BEAUTIFULLY ILLUSTRATED JOURNAL,
[Established in 1842,]
For the Farm, Garden and Household,
Including a Special Interesting and Instructive Department for Children and Youtlj.
It is a large periodical of 44 pages, well printed, and filled with plain, practical, reliable,
original matter, including hundreds of Beautiful Engraving's in every annual volume.
It contains each month a Calendar of operations to be performed on the Farm, in the
Orchard, Garden, and Dwelling, etc.
It comprises thousands of hints and suggestions, in every volume, prepared by practical,
intelligent working men, who know what they write about.
It has a Household Department
Valuable to every Housekeeper, affording very many useful hinls and directions
calculated to lighten and facilitate indoor wor'^»
IT HAS A DEPARTMENT FOR CHILDREN AND YOUTH,
Prepared with special care, to furnish not only amusement, but also to inculcate knowledge and
sound moral principles.
When the large expense involved in providing its interesting and varied reading matter, and
its great number of superb illustrations, is considered,
It is the Cheapest Paper iri the World,
Its subscription price {including the postage, prepaid by the publisheis) I's, only ^(,60 a
Year; four copies far ^^ ^i^i^ ; ten copies far $S3.00 J tiaenty or 7nore, $1,(0 each.
\ An edition is also published in German, on the same terras as the English.
TRY IT.
The Best and Cheapest in the World, for City, Tillage and Country.
ORANGE JUDD COMPANY, Publishers,
JSfo. 345 Bfokdwky, ^ew-Yofk.
I
HARPER'S PERIODICALS.
All of these are illustrated in the best style, and are beautiful specimens cf artistic and mechanical work.
We doubt if any other publishing house in the world does so much for the education of the people. These
periodicals are always on the side of good morals, good citizenship, and good government. — The Methodist.
HARPER'S MAGAZINE.
A Complete set of Harper's Magazine, now comprising 51 Volumes, in neat Cloth binding, will be sent
by express, freight at expense of purchaser, for $2.25 per volume. Single volumes, by mail, J>ost-/>aid,
$3.00; in Half Calf, $5.25. Cloth cases, for binding, 58 cents, by mail, post-paid. A Complete
Analytical Index to the first Fifty Volumes of Harper's Magazine has just Iseen published, render-
ing available for reference the vast and varied wealth of information which constitutes this periodical
a perfect illustrated literary cyclopedia. 8vo, Cloth, $3.00; Half Calf, $525. Sent postage prepaid.
Publishers antl Editors lioth appear to understand
the needs of the popular mind, even tliose needs of
wliicJi many peoi)le are unconscious themselves. They
aim to awaken a taste tor knowledge as well as to
gratify it, and their system in doing this is to make
knowledge eutertaiuiiig. The yiayazine penetrates
into the log-honses of Western farmers as well iis into
city drawiug-rooms. Its comprehensiveness makes it
acceptable to everybody who is pleased by pictures,
and who has any love of reading. The serial novei. by
eminent English and American novelists, the shoit,
bright, and telling stories of American domestic life,
the'profusely illustrated articles of travel and adven-
ture, the carefully prepared essays on political, histor-
ical, and scientitic subjects, the wealth of rich and racy
reHectiou in "The Editor's Easy Chaii-," and of anec-
dote in "The Editor's Drawer," are among its eou-
stant attractions to the general re&Aav. — Hoston Globe.
The character which tliis Mngazinc possesses f (jr va-
riety, enterprise, artistic wealtli, and literary culture,
that has kept pace with, if it has not led, the times,
shouldcauseitsconductorstorejrardit. with justifiable
complaceucJ^ It also entitles them to a great claim
upon the public gratitude. The ALryaizine has done
good and not evil all the days of its liiti.— Brooklyn
i^ogle.
HARPER'S Y/EEKLY.
The Annual Volumes of Harper's Weekly, in neat Cloth binding, will be sent by express, free of
expense, for $7.00 each, and in Half Morocco on receipt of $10.50. A Complete Set, comprising
Nineteen Volumes, sent on receipt of cash at the rate of $5.25 per \-o\., freight at expense of purchaser.
Cloth cases for binding, $1.00, by mail, post-paid.
The Weekly is the ablest and most poneiful illus-
trated periodical published in this country. Its edi-
torials are scholarly and convincing, and carry much
weight. Its illustrations of current events are full
ami fresh, and are prepared by our best designers.
With II circulation of l.")(),0()0, the Weekly is read by at
least half a million peisons, and its influence as an
organ of opinion is simply tremendous. The ablest
description t'an not equal the impression given by a
stiiUing idcture, and while the written or si)oken
words are soon forgotten, the impression made by the
artist is indelible. The Weekly maintains a positive
position, and exijresses decided views on i)olitical and
social problems. — Louuviltc Courier-Journal.
HARPER'S BAZAR.
The Eight Volumes of Harper's Bazar, for the years 1868 to 1875, inclusive, elegantly bound in Green
Morocco Cloth, will be sent on receipt of cash at the rate of $5.25 per volume, freight at expense of
purchaser. Single volumes, in Cloth, $7.00; Half Morocco, $10.50. Cloth Cases for binding, $1.00,
by mail, post-paid.
The Bazar is the organ of the fashionable world, and
the (!xpounder of that world's laws; and it is ihe au-
thority in all matters of manners, etiquette, costume,
and social habits. It fills a place that no other publi-
cati(m ever has even sought to till, and does .so because
of tlie amplitude of Its range and from its breadth and
extent of view. — Boston 'Iraveller.
The Bazar commends itself to every member of the
household — to the children by di'oll and prettj' pict-
ures, to the young ladies by its fashion-plates in end-
less variety, to tlie provident matron by its pattc^rns
for the children's clothes, to pate'j'amilins \>y its ta.ste-
ful designs for embroidering slii)])ers and luxurious
dressing-gowns. But the reading inatt<'r of the Bazar
is uniformly of great excellence. The paper has ac-
quired a wiile jiopularity for the fireside enjoyment it
affords, and has become an establishe<l authority with
the ladies of America.— J-i.c«i;iy I'ost, N. V.
HARPER^S MAGAZINE, WEEKLY, AND BAZAR.
One Copy of either for One Year, $4.00, Postage Prepaid.
Harper's Magazine, H.\rper's Weekly, or H.\rper's Bazar will be sent for One Year to any
Subscriber in the United States or Canada, postage prepaid , on receipt of Four Dollars by the Publishers.
The three publications, the Magazine, Wr:EKLY, and Bazar, will be supplied, for One Year, for
$10.00 in one remittance; any two of them for $7.00, postage free.
An extra copy of eitlier the Magazine, the Weekly, or the Bazar will be supplied gratis to every
Club of Five Subscribers who send ^4.00 each in one remittance; or Six Copies, witiiout extra copy, of
either publication, for ,$20.00, postage free.
In re7nittingbymail, a PosT-Oi EiCE ORDER or DRAFT payable to the order of Harper & Brothers
is preferable to Bank Notes, since, should the Order or Draft be lost or stolen, it can be renewed without
loss to the sender. The Post-Office Department recommends that, whqn neither of these can be j^rocured,
the money be sent in a Reglsticred Letter. The registration-fee has been reduciMl to ten cents, and
the present registration system, the postal authorities claim, is virtually an absolute protection against
losses by mail. All Postmasters are obliged to register letters when requested.
Address
HARPER & BROTHERS, Franklin Square. New- York.
THE
Christian Union.
HENRY WARD BEECHER, EDITOR.
Henkv M. Cleveland, Publisher.
Horatio C. King, Assistant Publisher.
$3.20 per Annum (Clergymen, $2.60), Postage Prepaid.
UNUSUAL OFFER TO CANVASSERS.
Authorized medium for the publication of
MR. BEECHER'S SERMONS,
And also for the publication of all of Mr. Beechers literary productions, including the Star Papers and
other matter, the issue of which is contemplated.
MRS. HARRIET BEECHER STO^VE
Will also continue to write exclusively for the Christian Union. A THANKSGIVING as well as a Christ-
mas Story is promised from her pen. She will also be a frequent contributor to other departments
of the paper. Serial Stories by
REV. EDWARD EVERETT HALE, D. D.,
(Author of "A Man without a Country," etc.)
HON. A, W^. TOURJEE,
Judge of the Superior Court of North CaroUna ( Author of " Toincttc " ),
AND OTHERS WHO WILL BE HEREAFTER ANNOUNCED.
A COMPREHENSIVE FAMILY RELIGIOUS NEWSPAPER.
The Christian Union was among the first to offer picture premiums as a means of attracting the
public to the merits of its literary contents. This feature was never intended to be permanent. It was
simply another form of advertising, and attained the desired object. In accordance with the original
intention, we now propose to discontinue the picture premiums, and to rely upon the merits of the
paper for a continuance of public favor. ____
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In addition to the cash premium, we offer the following prizes ia money, amounting in the aggregate to
TV/O THOUSAND DOLLARS,
To the agents who send the fifteen largest lists of subscribers from the first day of October, 1875, to the
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To 1st largest list. . .$500 Cash. To 6th largest list .
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MANUFACTURERS OF
The Celebrated Eagle Ducking, Eagle Rifle,
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Save j\laii| tailed tl^eii^ C^feat ^eputatioi\ for *r3 Yeai'i^.
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NEW-YORK.
The New-York Star
Is Published Every Day in tlje Year, at
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Price One Cent.
Mailed every day in the year, Sunday Star included, to subscribers, for $5.30. By the month, 50
cents. The Star is the only One Cent morning daily published in the city. Its News is fresh,
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THE SUNDAY STAR
Is the Spiciest and Jolliest of Newspapers. Its Stories are original. Its Special Features are
numerous and lively.
THE Hon. m. t. jugg, Esq.
Is the most pathetic of humorists, and the most comical of teachers, illustrating each week the frailties
and follies of his fellow-men and women. THE DRAMA is considered as it deserves. CORRE-
SPONDENCE from London, Dublin, Paris, California, Cuba, &c.. Sec, with graphic details of all
that happens. ITS CIRCULATION is enormous, averaging 73,000. The Sunday Star is
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SEND FOR SPECIMEN. DAILV STAR, ONE CENT. SUNDAY
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The Financier is, in our opinion, the ablest journal of financial and economic
science published in this country. — Chicago Tribune.
THE FINANCIER:
A. Journal of Politics, A/Lonetary and Business Interests,
Social Science and Political Economy.
This journal, now in its fifth year, is the vehicle of the best thought in the
country, and the repository of the most complete and accurate information on
all economic subjects. While advocating the restoration of sound money and
the adoption of a revenue tariff", it is independent of all parties and interests, is
tolerant of opposing opinions, and seeks only to know and maintain what is true.
It should be read by bankers, merchants, lav/yers, men in political life, students
of economic questions, and by all who believe that material and moral civilizatien
can be and should be bettered by rational inquiry and a corresponding practice.
TERMS : Published Saturdays, at Five Dollars per year, free of postage to
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A^^^^ss THE FINANCIER,
Office, 71 Broadway. p. o. box 1319, New- York.
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370 Broadway, New-York.
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CA.XJTION.
On account of the popularity of the
WHEELER & WILSON SEWING MACHINES,
Parties have largely engaged in purchasing old and second-hand machines of that make and
imposed upon the public by selling them as new machines.
The Wheeler & Wilson Company beg to advise the public that any one desiring to buy
their second-hand machines can be supplied by that Company direct, on better terms than others
can afford them, and be assured of what they are buying.
Address
WHEELEB & WILSON MANUFACTURING CO.
No. 44 Fourteenth Street, New-York.
'^^^.
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Sold by all Dealers Throughout the ^Vorld.
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NEW-YORK.
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The Christian at Work
T. DE WITT TALMAGE, Editor.
Offers Inducements to Agents, Subscribers and
Eeaders, Never Before Presented.
EDITORIALS.
The pen of our Editor-in-Chief, Dr. Talmage, who is
Editor not in name oniy, but in fact, "word and deed.
Editorials every week by Dr. Talmage.
SERMONS.
The Sermons preached every week in the Brooklyn
Tabernacle are reported for this paper otily, and revised
and corrected by Dr. Talmage.
SUNDAY-SCHOOL LESSONS.
Will be explained by Dr. Talmage. Instead of the
usual essayic style of expounding the Lessons, a style
Sharp, Incisive, and Pungent, and in such a portable
shape that the Teacher can easily carry it from the house
to the class.
CONTRIBUTORS.
Our Contributors ■\xe. the most talented writers in the
United States and Europe.
MOST LIBERAL TERMS TO AGENTS,
AND EXCLUSIVE TERRITORY.
Extra inducements of PRIZES, in addition to the
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Subscription Terms and. Commissions:
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Sud's. A^C7its. Profits.
Paper without premium $3.00 $2.25 $0.75
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]Ve recommend moitnted premiums as giving the best
satisfaction.
B, B,. CORWIN, Publisher,
Box sioj. Ne-'A^-Vork.
INSURANCE WORKS
FOR SALE AT
Office of N. Y. Underwriter,
No. 104 BROADWAY.
A Complete File of the
New- York Insurance Iteports— 18(J0 to 1874,
official edition |100 00
Massachusetts Insurance Reports -1856 to
1S74, official edition 75 00
PennsylTJunia Insurance Digest— 18(;8. By
John A. Fowleu, Kditor American Exchange
and Rrvicw. Cloth 2 00
The Iiaw of ]>Iarine Insapance. A Treatise
on the Lawol Marine IiisuiaiKc. and General
Average. By Theopuilus Pausons, L,L. D.
IJane Prof, ot Law In Harvard Uiuver.sity.
2 vols.. 8V0, law .sheep. Little, Brown & Co. 15 00
General Insurance Statutes of the United
States— 1870. Kdited by Geokge Wolfohd,
IjL. I)., Deputy Superintendent of the N. Y.
Insurance IJepartnient, and one ol the
Editors of tlie 5th Edition of tlie Kevi.sed
Statutes of the State ot New-York. 1 vol.,
8vo, law Itinding. Weed, Parsons & Co 7.50
.Supplement to above, 1S72, 1 vol.,8vo. Weed,
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Bigelow'9 liSfe an«l Accident Insurance
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lloUliHTOX 10 00
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to Fire, Lite, Accident ami other risks not
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Digest of the Law of liiic Insurance, from
eaiiicst ]>eriod to 1873. Edited by Stephen G.
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ii. Co., 1 vol., 8vo. law binding 7 50
THE
WILLCOX & GIBBS
AUTOMATIC
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Completely Revolutionizes Machioe Serving.
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MAIN OFFICE:
658 Broadway, cor. Bond St., New- York.
BRANCHES IN LEADING CITIES.
Misfit Carpets !'
ENGLISH BRUSSELS,
Three-ply and Ingrain, Very Cheap, at the Old Place,
112 FULTON ST., NEW-YORK.
Carpets carefully packed and sent to any part of the
United States free of charge. Send for a Price-list.
J. A. BENDALL.
For Moth Patches, Freckles,
AND TAN,
Ask your Druggist for Perry's
Moth and Freckle Lotion. It is
reliable. For
Pimples on the Face^
Blackheads or Flesh worms, use
Perry's Improved Comedone
and Pimple Remedy— the Great
Skin Medicine, or consult Dr.
B. C. Perry, 49 Bond-street,
New-York.
A Political, Literary, and General Newspaper.
f)evoted to ^efofir\ ii) ]\ltir|id|)al, ^tate, and (^ei^efal (^ovei'i|rqei\t.
1
In 1876 The New-York Times will complete the
twenty-fifth year of its existence. Throughout a quarter
of a century it will have remained true to the objects and
aims for which it was founded. It has held from the first
a favorite place in the household;, it has endeavored to
stand on all occasions by the side of" truth and justice; and
it has advocated political principles only when they were
certain to promote the honor and welfare of the country.
AS A FAMILY PAPEB,
The Times has always borne a very high reputation
throughout the United States. It is free from all objec-
tionable advertisements and reports, and under no circum-
stances whatever are "personal" announcements, or ques-
tionable notices, allowed to appear in its columns. The
disgraceful lures of quacks and medical pretenders, which
pollute so many newspapers of the day, are not admitted
into the columns of The Times on any terms. The paper,
moreover, has always resisted the communistic theories
advocated by mischievous journals, and has opposed those
attacks on the Family as the basis of Society which are so
frequently made, and which have led to so much misery
and crime.
AS A POLITICAL JOURNAL,
The Times will be devoted, as in the past, to a discriminat-
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right of expressing independent opinions upon the measures
or policy of any Administration, or upon the course of any
leaders. Its attitude is that of independence tuithin the
Republican Party, for in that way can the interests of
the people be most efficiently served.
It will adhere closely to these principles in the important
canvass which will shortly engage the attention of the
people of the whole country. Great issues are at stake, and
it will need all the force of the press to sustain the right
side. The Democratic Party is substantially for inflation,
which is avovvfedly the first step toward repudiation. The
Republican Party is in favor of a return to specie payments,
by safe and judicious methods, and of keeping faith with
the national creditor; and thus of preventing wide-spread
ruin and irreparable national dishonor. This issue alone
would lead The Times to stand firmly by the Republican
Party.
In the Presidential canvass. The Times will strive to
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them a hearty support. It will take no part in personal
intrigues, but will ever be ready to defend leaders and
candidates who are true and faithful representatives of the
people.
It will be inflexibly opposed, as it always has been, to
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NEW-YORK WEEKLY TIMES,
0
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A PAPER FOR THE PEOPLE.
The New- York Weekly Times will contain Selected
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DR T. FELIX GOURAUD'S ORIENTAL CREAJJ, OR MAGICAL BEAUTIFIER.
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Merchants, B.inkers, Factories, Public Offices, Railroad and Insurance Companies, as well as individuals, are
solicited to give us their orders. Prompt and personal attention given. Prices low.
The entire buildmg is fitted expressly for the various branches of our business, with new and improved machinery,
Steam Power Presses, New Type, etc. Please call or send your orders to
FKAl^CIS & LOUTREL,
Stationers, I-*riiiters & Bookbinders,
Cyrus Il'^Loutrel. } 45 MAIDEN LANE, NEW- YORK.
To Printers. — Use our Patent Composition for Printers' Inking Rollers. Does not harden, shrink or crack.
Patent Copyable Printing Ink, also Copyable Ink for Ruling and Writing.
Staten Island Fancy Dyeing Establishment,
BARRETT NEPHEWS & CO.
1142 Broadway, New-York!^T7North^8th St., Philadelphia. 'l !?i 7 TnlUlStrPPt ^PW-Yflplr
279 Fulton St., Brooklyn. 110 W. Baltimore St., Baltimore. U ** 1 U Ullll U U U U Ij ilVU lUiil..
All kinds of Ladies' and Gentlemen's Clothing dyed or cleaned.
Ladies' Dresses, Cloaks, <&e., of every color, cleaned.
Gentlemen's Overcoats, Pantaloons, Vests, &o., cleaned or dyed without ripping
apart.
Kid Gloves and Feathers dyed or cleaned. Shades and Curtains cleaned, &c.
BARRETT JiEPHEWS & CO., Principal Oice, 5 & 7 Jolin Street, New-York.
This popular Cosmetic has long maintained (thirty-two years) a high and prominent place in public
estimation, and in fashionable ladies' bo;idoirs, not alone for its extraordinary beautif3'ing effects on the
skin and comple.xion, rernoving Tan, Freckles, Sallovvness, etc., but also for the innocence and purity
of its ingredients.
DR. GOURAUD'S ORIENTAL CREAM has not been heralded by inflated advertisements, nor
is it the creature of paid-for puffs ; it stands on its merits alone, and with intelligent purchasers it is
sought af:er in preference to the host of cheap and vile preparations flooding the market, denounced by
the Board of Health, Dr. Louis Sayres, Dr. Doremus, and others.
DR. GOURAUD is daily in receipt of druggists' orders from distant parts relating that lady residents
in their localities, and especially ladies traveling, who have used the article, and who have recom-
mended it from one to another, imploring said druggists to order some from Dr. G., and which they
are ultimately obliged to do.
It is a xuell-cstablished fact that the cupidity of many druggists prompts thein to recommend an article to
I'ldies, not from its intrinsic good qtialities, but from the larger profits to he made on its sale. Dr. G. concedes
that his margins are not as large as many merchaftts allow, nor does he intend they shall be. A truly valuable
cosmdic, such as the Oriental Cream, zvill be prized, and the ladieswill Jictve it, even if obliged to orderit direct
from Dr. G., at his only depot in New-York, 48 Bond Street, N. Y.
Every Man of Family
Who is able to spare the money for a New- York daily paper owes it to his family '
to subscribe for The Daily Graphic, and for the following reasons :
IT IS THE ONLY ILLUSTRATED DAILY IN THE WORLD.
IT IS THE MOST INTERESTING DAILY ISSUED.
IT HAS ALL THE NEWS.
IT ILLUSTRATES TRUTHFULLY ALL GREAT EVENTS.
IT IS INDEPENDENT, HIGH TONED AND RESPECTABLE.
IT PLEASES THE FAMILY BETTER THAN ALL OTHERS.
IT IS THE BEST.
IT IS ONLY $1.2S PER MONTH OR $12. OO PER YEAR.
During the coming year,
The Daily Graphic
Will devote more space to the illustration and description of the Great Centennial
Exposition than any other newspaper.
Its magnificent Saturday supplements, presenting fac-sitniles of the most
celebrated and famous works of art, are alone worth many times the year's sub-
scription.
The Presidential Canvass of 1876 will receive very full and elaborate treatment
in its columns, and be illustrated in frequent cartoons.
The Daily Graphic is an Eight-page paper, published every afternoon
(tliree editions), in time for the early mails to all parts of the country.
It has a larger average circulation — more copies printed and sold each day —
than any other evening paper in New- York excepting only the (penny) JVe7as.
It is a great newspaper, as well as the only illustrated daily paper. It has
special correspondents everywhere, and it has a larger staff of writers and news-
gatherers than any other evening paper in New-York.
It is preserved for binding by hundreds of its readers in city and country.
The annual subscriber gets a Pictorial History of the Year, a volume of twenty-
four hundred pages, constituting a valuable record of events and a graphic
panorama of our time and progress.
Try it a year. Address
THE GRAPHIC COMPANY,
New-York City.
OFFICE OF
The ITew-York Mercantile Journal Co.
350 Pearl St. (Franklin Sq,.) N. Y.
Publishers of
P. O. Box 1919.
THE DRY GOODS JOURNAL (weekly, per year), $3.00 THE DRUGGISTS' JOURNAL (weekly, per year), $3.00
THE GROCERS' PRICE-CURRENT, ■ " " 3.00 THE HARDWARE PRICE-CURRENT, " " " 3.00
THE N. Y. MERCANTILE JOURNAL (containing all the markets, weekly, per year), $5.00
TO MERCHANTS, MANUFACTURERS AND OTHER BUSINESS MEN, j
We take pleasure in commending to your attention the publications of The New- York Mercantile J|
Journal Company, embracing, "THE N. Y. MERCANTILE JOURNAL," '"THE DRY- (?
GOODS JOURNAL," "THE GROCERS' PRICE-CURRENT," "THE HARDWARE m
PRICE-CURRENT," and "THE DRUGGISTS' JOURNAL." A
Commendation is due not only for the commercial information furnished, but especially also for their able advocacy, X
through many years past, of Currency Reform in the face of strong opposition. '|
Hon. Thomas W. Ferry, Hon. John Coburn,
John B. Gordon,
John A. Logan,
W. C. Whitthorne,
Wm. D. Kelley,
Moses W. Field,
A. H. Blickner,
W. S. HOLMAN,
John J. Davis,
r. L. Crittenden,
E. O. Stanard,
Wm. Williams,
Morton C. Hunter,
G. L. Fort,
John W. Hazelton,
A. Co.MINGO,
W. G. DONNAN,
Wm. Loughridge,
J. R. Lofland,
H. E. Havens,
Benj. F. Butler,
Hon. John Cessna,
" L. D. Woodworth,
" M. H. Bunnell,
" S. O. Houghton,
" Lemuel Todd,
" E. McJu.\KiN,
" J. D. Strawbridge,
" H. L. Richmond,
" Amos Clark, Jr.,
" J. C. Burrows,
" O. D. Conger,
Hon. SoBiESKi Ross,
■' J D. C. Atkins,
" Charles Albright,
" James .S. Biery,
" ,S vm'l a. Dobbins,
" T. J. Cason,
" Thos. Whitehead,
'■ Geo. W. McCrary,
" C. N. Lamison,
" J. B. Packer,
and many others.
ft gives the undersigned special pleasure to endorse tk; foregoing commendation of The New- Tork
Mercantile Journal C'onipanif's publications by members of Congress, adding that, since the Currency
Question is the most important secular matter before the country, the papers named — which contain a large amou?it
of valuable commercial and financial information, a'ld Are Excellent Mediums for Adoertisiny — ought to
receive the cordial support of the business community.
GEORGE OPDYKE,
H. B. CLAFLIN,
GEORGE T. HOPE,
JACKSON S. SCHULTZ,
SHELDON GOODWIN,
PLINY FREEMAN,
DANIEL C. ROBBINS,
JNO. F. HENRY, CTJRRAN & CO.
WM. H. SCHIEFFELIN & CO.
BELCHER, PARK & CO.
E. & 0. WARD,
W. R. MITCHELL & CO.
WM. M. HALSTED,
P. VAN V0LKENBX7RGH & CO.
W. L. STRONG & CO.
TEFFT, GRISWOLD & CO.
L. M. BATES & CO.,
and many others.
A WEIG-HTY KEASOK
A weighty reason why all businessmen should patronize the publications of The New-York Mercantile
Journal Co. — beyond obtaining a knowledge of current events which have Direct reference to Commercial and
Financial affairs — will be readily appreciated upon a moment's reflection. It may be safely said that the adoption
(mer.;ly a question of time) of National Paper Money made a full legal tender, having its Value Fixed and
"Volume Regulated, by its interchangeability at holders' option with Government bonds bearing a fixed, equitable,
rate of interest, as advocated by these publications (viz: The New- York Mercantile Journal, The Dry
Goods Journal, The Drugg'ists' Journal, The Hardware Price- Cui-rent, and 'Ihe Grocers'
Price-Current), will Prevent Inflation, without producing undue cTntraction, and thu, remove All Liabil-
ity to Financial Panics such as in years past have so seriously disturbed the entire industry of the country and
entailed such fearful loss upon all. The most memorable of these panics occurred in 1837 and 1857. The loss to the
nation through non-employment of labor (for a twelvemonth only) caused by the pani:: of 1857 is variously estimated
at from $1,-00 ooo.ooo to .'{;2, 000,000,000. which, if distributed among the merchants, would average Three Thou-
sand Dollars Each, if we take only the smallest sum — .$1.500.000,000, — and estimate the number of merchants at
SOD.oeo, or one in eighty of our population. In view of these facts, is it not worth the while of All to work
earnestly to avert such disasters in future, as well as to obtain present relief from embarrassments
resulting from the peculiar panic of September, 1873?
SALT A NECESSITY-WHAT IS ECO?yOMY?
Since Salt is not only nece.ssary to bealtta, but life itself, any vain who tvould entirely
dispense ^vitli \tj nse, in order to reduce his exjjenses fi'oin ono hundred dollars to uineey-
niue dollars and ninety-3ve cents per month, w^oiild no doubt be conjjdercd ccpenEric, to say
the least. What, Chen. ou?ht one £0 think of the ineri-hTiit who-becnnse biLsinesn is dnll and
money scarce— cuts off his Cmnjueri-ial aad Fi-iancial Ne'ivspTiper, the Salt of his basiness
affiivs? The man ^vlio Jl'DK^IOI'SIiY economizes is ivise, but ^vhen he allows himsell to
withhold his seed-corn from the earth, with a view of hoarding it, he makes a mistake.
The New- York Evening Post
REDUCED TERMS OF SUBSCRIPTION.
Daily, $9 a year. Semi-Weekly, $3 a year. "Weekly, $1.50 a year.
THESE TERMS INCLUDE THE POSTAGE, WHICH WILL BE PAID BY THE PUBLISHERS.
J^ PREMIUM
EACH SUBSCRIBER.
WE OFFER TO SUBSCRIBERS, in connection with
The Evening Post, the following useful articles:
A DETACHED LEVER CLOCK, which sells
at $2.50 at ret?.:l, with the Weekly Evening Post, for $2. 75,
or with the Serrj- Weekly, for $4. 25.
* "A good time-piece, of simple, yet careful construction."
THE ST. aEEMAIN or STUDENT
LAMP (C. W. Kleeman's Patent), large size, retail price
$7.00, with the Weekly, for $5, 75, or with the Semi- Weekly,
for $7.25.
" The best now in use. The light is steady and bright,
and therefore the eyes are not disagreeably affected, as is
the case in reading by gas-light or the light of other lamps."
— Engineering and Mi?iing Jo7ir7taL
THE TJTILITY ADJUSTABLE TABLE
(retail $8.00), with the Semi- Weekly, for $8.00.
" Valuable to ladies in cutting and basting ; a boon to the
invalid ; a treasure to children ; e.xcellent for games, and
useful for writing, study, lunch or picnic purposes."
WEBSTER'S UNABRIDGED DICTION-
ARY, 1840 pages quarto ; 3,000 illustrations (retail
,$12.00), with the Semi- Weekly, for $10.00, with the Weekly
and the Table, for $12.50, or with Weekly and the Student
Lamp, for $12. 75.
WEBSTER'S NATIONAL PICTORIAL
DICTIONARY, 1,040 pages octavo; 600 illustrations
(retail, .$5.00), with the Semi-Weekly, for $6.00; with the
Weekly and the .Student Lamp, for $8.75, or with the
Weekly and the Table, for $8.50.
WORCESTER'S UNABRIDGED DIC-
TIONARY, illustrated (retail, $10.00), with the Semi-
Weekly, for $10.00 ; with the Weekly and the Student
Lamp, for $12.75, or with the Weekly and the Table, for
$12.50.
WORCESTER'S COMPREHENSIVE
DICTIONARY, new illustrated edition (retail, $1.80),
with the Semi- Weekly, for $4.00, or with the Weekly
for $2.50.
JESOP'S FABLES, a new and carefully revised
edition of these Fables. By J. B. Rundell ; profusely illus-
trated, with original designs, by Ernest Griset. 422 pages,
quarto (retail price, $3.50), with the Weekly, for $3.25, or
with the Semi-Weekly, for .$4. 75.
THE SAME — gilt edges, beveled covers (retail price,
$5.00), with the Weekly, for $3.75, or with the Semi-
Weeklv, for $5.25.
LIBERAL OFFER
TO CLUB AGENTS.
In order to still more largely increase the cir-
culation of THE EVENING POST, we make the
following offer to those who will procure sub-
scribers :
TO ANY ONE SENDING FIVE SUBSCRIP-
TIONS to the Weekly Evening Post, in accordance
with either of the above offers, we will give one of the
clocks before mentioned, or a copy of Worcester's Compre-
hensive Dictionary.
FOR SEVEN SUBSCRIPTIONS, we wUl give a copy
of ^sop's Fables.
FOR NINE SUBSCRIPTIONS, we will give a copy
of iEsop's Fables, gilt edges.
FOR TWELVE SUBSCRIPTIONS, we will give
Webster's National Pictorial Dictionary.
FOR FOURTEEN SUBSCRIPTIONS, we will give
the Student Lamp or the Utility Table.
FOR EIGHTEEN SUBSCRIPTIONS, we will give
Webster's Unabridged Dictionary, or Worcester's tin-
abridged Dictionary.
|IJ^°° One snbscripiion to the Semi- Weekly will be con-
sidered eqjcivalent to tixio snbscriptio7is to tlie Weekly zw
the offer stated above.
Subscribers or Agents may obtain their premiums at the
office of this Paper, or they will be carefully packed and
sent by express, freight charges payable on delivery.
AGENTS WHO PREFER A COMMISSION IN
CASH WILL BE LIBERALLY DEALT WITH.
PLEASE SEND FOR OUR CIRCULAR TO CLUB
AGENTS.
We continue to send The Evening Post, free of post-
age, ■without Jiremiums, at the former low club terms, as
follows :
SEMI-WEEKLY.
Five copies, one year $12.50
Ten copies, one year 22.00
WEEKLY.
Five copies, one year $7.00
Ten copies, one year 12.50
Twenty copies, one year •.•■■•■. 22.00
These terms include the postage, which will be paid by
the publishers.
The above rates are as loiu as those 0/ any Jtrst-class
newspaper published.
S-^gT' Additions may be made to a club at any time, at
club rates.
Remittances should be made, if possible, by draft or
Post Office order payable in New-York.
If these cannot be obtained, the letter should be registered.
SPECIMEN NUMBERS SENT FREE.
Address, WM. C. BRYANT &, CO.,
Publishers of The Evening J\'s/,
208 Broadway, comer of Fulton St., New-York.
THE DAILY, WEEKLY, AND SUNDAY
NEWS,
AND TAGES AND SONNTAG NACHRICHTEN,
PUBLISHED IN NEW-YORK NEWS BUILDING, No. 19 CITY HALL SQUARK
13E:?^J^4.M:1]V wood --__-__ Editor and l^ror>rietor.
N. S. MORSE, Business Manager.
THE NEW-YORK DAILY NEWS,
IPublished Every -A.fternoon ------- frice. One Oent.
IMail Subscription !Fia.tes :
One Year, ^3 ; Four Months, ^ 1 ; Newsdealers supplied at the rate of fifty cents per hundred.
THE NEW-YOEK WEEKLY NEWS,
PUBLISMEU EVETi^^ AVEUJVESD.j^Y'.
]Mail Subscription Rates:
Two Dollars for one copy, one year, fifty-two issues.
For $9, received at one time, five copies will be sent to the names of subscribers.
For $15, received at one time, ten copies will be sent to names of subscribers ; and one copy extra to the getter-up of
the club.
For $25, received at one time, twenty copies will be sent to names of subscribers to one post-office and one copy extiu •
to the getter-up of the club.
For $55, received at one time, fifty copies will be sent to names of subscribers to one post-office ; and one copy to
getter-up of club.
Any person sending us clubs, at above rates, may retain twenty per cent, of the money received by them as commission.
These terms are invariable, and caiinot be deviated from.
SPECIMEN COPIES SENT FREE.
THE NEW-YORK SUNDAY NEWS,
FUBHSHEU EVERlt' SXJISTJJ.A.^''.
Alail Subscription Iriates : Single Copy, One Year, !^3 ; Six Months, $ 1 .
DIE NEW-YORKER TAGES-NACHRICHTEN,
I^ublislied Every A.ftemoon. IPrice, One Cent.
IMail Subscription liates:
One Year, $3 ; Four Months, SI? Newsdealers supplied at the rate of fifty cents per hundred.
DIE NEW-YORKER SONNTAG-NACHRICHTEN,
r-UBLlSHEO EVERlt' STJN^JJ^^'.
!Mail Subscription Rates : Single Copy, One Year, Si ? Six Months, SO Cents.
TO ^3L13VE2RT1SER,S.
The Daily IN'exvs has the largest circulation of any Daily published in the United States. We are
willing to show our books to any advertiser who wishes to examine them, to satisfy him that what we say is correct.
The price charged for advertisements in the 13aily ^N^ews is no more, and in some cases it is less, than the price
charged by journals which have not more than half or even one-third the circulation of Tlie ^N^e^vs. Advertise-
ments inserted in all three editions without extra charge.
Tlje Daily News is i^ow the Cl^eapest ^dvertisirig JJediunj ii^ existeijce.
Tlie ^Veekly N^ews has a large circulation in every section of the country. Merchants, Manufacturers,
Patent Medicine Dealers, and all classes of business men, will find its columns a very valuable medium to advertise in.
Tbe Sunday INews has a large circulation throughout the city and along the lines of the railroads lead-
ing from the city. Advertisements inserted on liberal terms — at lower rates than in any other Sunday paper published,
when circulation is taken into consideration.
l_)ie Tages-lN^achriclit en has the largest circulation of any German Daily Newspaper published in the world.
13ie Sonntag-lN^achricliten has the largest circulation in the city of any German Sunday paper issued.
All classes of Merchants and Dealers who are seeking for German trade will find advertisements in the columns of
The Tages and Sonntag Nachrichten reach a larger number of readers than they would by any other channel.
4=
The New-York Evangelist
For the '^ear 1876.
LETTERS FROM ARODNE THE WORLD,
BY THE EDITOR.
The New- York Evangelist will begin a new volume
with Jan. i, 1S76. It then enters upon its torty-seventh year,
and is therefore well entitled to be classed with the very fev/
publications which have survived unembarr:;ssed the se-
verest fluctuations of business, as well as the vast changes
in the political, moral, and religious condition of the coun-
try. It has no reason to disguise or be ashamed of its
record on any of the great divisive questions which have
agitated the Churches and the Nation.
Identified with a particular corps of our Lord's militant
host, it is quite content with these relations. It loves the
order and strength of the Presbyterian Church, and seeks the
things that make for her peace and progress. Entering
upon new conditions, The Evangelist has sought the
unity of the Church and the composure of differences which
have survived, as the smouldering remains of a great con-
flagration of war.
It looks to see the great wealth and material resources
which have originated quite within the span of its own life,
made more and more tributary to the furtherance of the
Gsspel. .4nd happily, there are not wanting indications
that the coming Centennial year will witness a general
revival of religion, as well as of patriotic sentiment.
Mindful of its name and origin, The Evangelist will
labor for and welcome the return of such ingatherings as
marked the times of Edwards, Whitefield and Finnej" — such
as shall purify the social, commercial, and political relations
of the whole nation as never before. The need of such a
gracious and searching visitation seems apparent to very
many, outside as well as within, the Churches.
The Ev.\ngelist is taken chiefly by ministers and our
more intelligent and reliable Church members. It has lost
many old subscribers by reason of death, but the children's
names have taken the place of the fathers', and so we would
wish to have it. They have carried it from their' early
Eastern homes to the Rocky Mountains, and beyond. It
seeks to extend its circulation everywhere throughout the
Presbyterian Church. No longer shut out of the South, it
asks for new friends there as well as at the North and West
An especially attractive feature of The Ev.\ngelist the
coming year (as for several months past) will be the letters
of its editor. Dr. Field, on his way Akound the World.
The new year will probably begin with letters from the
Holy Land, to be followed by others from Egypt and from
India. Dr. Field seems likely to see the latter country
under quite extraordinary conditions. For the first time
since British rule began there, the countr>' is making ready
to assume somethL-jg of its "ancient manners and magnifi-
cence " in order to do honor to the Prince of W.ales. It is
not ncce.s.sary to say anything to the readers of Tin; E\'AN"-
gelis T concerning Dr. Field's social and other advantages
for giving real and not hearsay information, nor of his
ability to recount whatever seems new, novel or important
either in the social or religious aspects of that ancient and
peculiar country.
It i") also unnecessary to occupy space in cataloguing the
names of the contributors to The Evangelist. The best
and ablest pens will continue to be employed in its columns,
and all the features of a first-class religious and family paper
will be maintained. It comments upon a wide range of
topics, from its proper point of view, and will include, as
heretofore, a large variety of miscellaneous and literary
reading, and its special departments for the children, the
Sund.iy-school, and readers interested in rural and scientific
information.
Terms : Three Dollars a Year, in advance, for which the
paper will be s.-nt post-paid. New subscribers sending
their money at once will receive the numbers previous to
the new year free, their receipts being made oUt to cover
the whole of the year 1876.
Those who interest themselves in procuring tieiv sub-
scribers, will be allowed a liberal jxircentage.
Address
HENRY M. FIELD,
(Box 2330) New- York.
REASONS WHY
i'HE Tllustratkd "Weeklt, in a single year,
ha.s fittaineil the Innjest circtilatiun among the
illustrated journals of this country:
1. It is a large, sparkling, literary and family
pa[>er— pure, instructive anil amusing ; half ot its
pages full of beautifal pictures, the other lialt
containing the choicest reading luattcr. James
Parton, Chief Editor. Like that great Englisli
IJaper, The London lUiisf rated J\'bios, it is liiijhiy
moral, but entirely unseetarlan and non-political,
going- all over the world, alike to all sect.s and
parties. It is iust the paper lor which the people have
long been waiting.
"If there is one paper that vre can enjoy reading
from end to end, that ])aper is The Illu.strated Week-
ly. Profusely illustrated, ccmtainiug four, itiid some-
times Ave or six, first-class stories. sen.siblyedite<l and
well gotten up tlirougliout, this paper l.s the best lor
the i)rico we know oV—The Capital, Detroit.
"Z' It gives away extra, each week, a large engraving
supplement (•'52 in a year), size 1-1^x21 inches, on lieavy
tinted paper, with margins suitable for Iramiiig or
preservation in poitfolios. These beautiful supple-
ments include a wide variety; sometimes original in
design, and often ex(iuisite reproductions of the finest
steel engravings. They are truly a fine art gallery every
year.
" The Illustrated Weekly, of New York, is cer-
tainly giving its subscribers a wonderful amount of
good ijictares for their subscription." — The Advance,
Chicaijo.
Besides, every subscriber (whether for weekly or
nKUithly edition) is presented with a choice of tkc three
finest and largest oil chr,,mos ever produced, viz: " Lea-
trice" (a portrait by(Tuido); " Tlie Snow Storm" (a
landscape by ICaulfmaiin), or, " Gohl Fish, Fruits and
Flowers" (bj^ Ram.sey); each of which is livo by two
and one-half, fuel in sizr, and produced in twenty-seven- oil
' colors. The .subscriber for two years receives all three
of the pictures.
"Tlie chromos given to subscribers are worthy of
being cnlled paintings from the press." — Central Baptist,
St. Louis.
3. It costs only |3.ro a year for the weekly edition,
and only iJl.To a year for the monthly edition. Ho com-
plete, .so progressive, sufuU of u.setul as well ns enter-
taining matter is this piipcr, that wo venture to assert
that to every thinking, observant American, a year's
subscription is, in actual, useful value, worth fifty
dollars.
" Wo know of no periodical in the world that offers
the sanui value to subscribers as The iLLUiTUAXED
Weekly." — The Companion, London, Ont.
4. AGENTS find it a capital business, actually
makinn- from ij.O to $20 a day when working full time,
and proportionately when working only part of the
time. Tlie reason :" New features, eiiibracing seveial
large adilitioual profits unusual in tliiskiiulof business
(fully exi)laiuod in circulars). Agents, this c(nubina-
tion is uueciualed. It sells itself. Be (|ui<k, il' you
want an ageiKjy. Send a stamp for cireulais, speci-
mens and liber.il tcnns, or better yet, to save time,
send Si. 00 at once fiu- a complete o'littil, and make a
hundred ihdhus wliiloyou would otlieiuisi- be wailiufC-,
You are sure to take hold anyhow. Mmey refunded if
not perfectly satitjicd, ov if the territory you want,
is already taken.
" We understand that the Agents of The Illhs-
trated Weekly have m.ide many new subscnliers,
many of tluiin sending in luiiidn'<ls ol n.iuirs.
This is due to tlio fact that Ibe lilieral induce.
meiits otfi^rod are fully carried oat." — The Inde-
pendent, jV. V.
Address all orders for subscriptions or outflts to j
CIIAS. riA'CAS & CO.,
PoBLLSHi'.u.s "Tin-: I llcstu.\ti:d Wkkklv,
No. U Dey Street, Now York.
STATEMENT
EAGLE
Fire Insurance Company,
Of New-York,
KTo. 71 V^a,ll Street.
CHARTERED IN 1806.
S^.^et^, S^ril 1, 18^4, - - - $r93,4§3.34
j' Cfkpitkl, - - - - ■ 300,000.00
I ^tii^^plii^, 493,483.34
^ DIRECTORS.
John Q. Jones, Sanford Cobb,
Robert Ray, James A. Roosevelt,
Robert Lenox Kennedy, Henry Meyer,
William H. Aspinwall, J. Grenville Kane,
William H. Guion, Josiah B. Blossom,
W. B. AsTEN, Frederick W. Stevens,
John A. Livingston.
This Company insures acceptable risks on the Most Favorable Terms, adjusts ]}
its losses Liberally and pays them Promptly.
A. J. CLINTON, Secreiao'. SANFORD COBB, Presid.m.
T. J. GAINES, Assistant Secretary.
The New- York Almanac
1876.
Edited by James M. Hudnut.
Contents :
Astronomical Phenomena.
Eclipses, etc 2, 3
Calendars
.4 — 26
Illustrations.
Who is Coming? 5
The Empty Basket : 7
The Refuge 9
Country Friends 11
The Flower Girls 13
A June Sunset 15
Fac-Simile of the Declaration 17
In the Jungle 19
Pretty Poll 21
Hold Still, Now 23
Cinderella 25
Christmas — Outside and Inside 27
Every-Day Reference Matter.
Postage Rates 28
Taxes and Interest 29
About the House 29
Accidents 30
The Sick-Room 31
The Centennial Calendar 32
Home Decoration,
The House.
•34
The Flower-Garden 37
Insurance Topics,
A Pressing Need Supplied 38
Insurance vs. Money at Interest. . .40
Illustrative Tables 41
The Elements of Life Insurance. .42
Different Forms of Insurance 43
Where Shall I Insure? 45
The New-York Life Insurance Co. 46
Tontine Table 48
NEW-YORK:
FRANCIS HART & COMPANY,
12 AND 14 COLLEGE PLACE
Entered, according to Act of Congress, in the year 1875, by FRANCIS HART & Co., in the Office of the Librarian of Congrcs.s at Washinj^ton
THE NEW-YORK ALMANAC
Astronomical Pljenomeija, Etc.
By Berlin H. Wright, Esq., Pknn Yan, N. Y.
Eclipses.
There will be four Eclipses this year :
I. A partial Eclipse of the Moon, March loth, visible
throughout the United States. At New-York the eclipse
begins at oh., 25m., Mo. ; middle, ih., 25m., Mo.; end,
2h., 25m., Mo. Size of Eclipse 3.58 digits.
II. An annular Eclipse of the Sun, March 25th, visible
throughout the United States as a partial eclipse, being
annular in the North-western region of British America.
Place.
Portland, Me..
Boston
New-York
Albany
Rochester
Buffalo........
Philadelphia . .
Pittsburgh . . . .
Cleveland
Cincinnati . . . .
Detroit
Chicago
Charleston . . . .
Washington . .
Baltimore
Raleigh
Richmond . . . .
Savannah
Nashville
Frankfort
New Orleans .
Springfield, 111 .
St. Louis
Little Rock . . . .
Begins.
Ends.
4 15 P.M.
4 45 P.M.
4 12 '•
3 36 "
3 58 '•
5 40 "
4 58 "
5 29 "
3 33 "
5 9 '
3 31 ■'
5 5"
3 55 "
5 18 "
3 21 '■
5 0 "
3 13 ••
3 8 "
» 54 "
4 38 "
39"
2 46 "
3 48 "
4 47 "
4 29 "
4 48 "
3 49 "
5 9 "
3 52 "
5 12 '■
3 51 '■
4 54 "
3 50 "
53"
3 49 "
2 56 •'
3 10 "
2 54 "
4 39 "
4 25 "
4 38 "
3 38 "
2 35 "
4 17 "
2 35 "
4 13 "
2 27 "
4 1 "
Digits.
4-7
4-5
4.0
4-7
3-»
50
4.6
3-6
4.2
4.8
2-5
3-0
2.9
3-3
1 .0
4.0
3.8
3-0
III. A partial Eclipse of the Moon, September 3d,
invisible in North America.
IV. A total Eclipse of the Sun, September 17th, invisi-
ble in America.
Planets Brightest,
Mercury, January 25th. May i8th and September isth,
setting then shortly after the Sun. Also March 13th,
July nth and October 31st, rising then before the Sun.
Venus, June 7th and August 20th. Mars, not this year.
Jupiter, May 17th. Saturn, August 27tb.
Meriting Stars,
Venus, after July 14th. Mars, after August izth. Jupiter,
until February 19th and after December 4th. Saturn, from
February 17th to May 28th.
Evei^iijg Stars,
Venus, until July 14th. Mars, until August 12th. Jupiter,
from February 19th to December 4th. Saturn, until Febru-
ary 17th and after May 28th.
Tl^e Four Seasons,
D. H. M. D. H. M.
Winter begins 1875, Dec. 22 o 8 Mo., and lasts 8g o 54
Spring " 1876, Mar. 20 i 2 Mo. " 92 20 21
Summer " 1876, June 20 9 23 Ev. " 93 14 10
Autumn " 1876, Sept. 22 11 33 Mo. " 89 18 13
Winter " 1876, Dec. 21 5 46 Mo. Trop. yr. 365 5
Movable Festivals, &c.
Septuagesima Sunday February 13.
Sexagesima Sunday February 20.
Quinquagesima Sunday February 27.
Ash Wednesday March i .
Quadragesima Sunday March 5.
Mid-Lent Sunday March 26.
Palm Sunday April 9.
Good Friday April 1 4 .
Easter Sunday April 16.
Low Sunday April 23.
Rogation Sunday May 21.
Ascension Day May 25.
Whit Sunday June 4.
Trinity Sunday June 11.
Corpus Christ! June 15.
Advent Sunday December 3.
Chroi^ological Cycles.
Dominical Letters . . . B, A
Epact 4
Solar Cycle 9
Golden Number 15
Roman Indiction 4
Jewish Lunar Cycle. . 12
Dionysian Period .... 205
Julian Period 6589
Ember Days,
1. Wednesday, Friday and Saturday after first Sunday
in Lent — March 8th, loth and nth.
2. Wednesday, Friday and Saturday after Pentecost
— June 7th, 9th and loth.
3. Wednesday, Friday and Saturday after 14th of Sep-
tember— September 20th, 22d, 23d.
4 Wednesday, Friday and Saturday after 14th of De-
cember— December 20th, 22d, 23d.
Eras and Cycles for 1876,
The year 1876, which cof>ip>-ises the latter part of the
one hundredth and the beginniiig 0/ the one hundredth
andfirst year o/the Independence 0/ the United States of
A nterica, corresponds to
The year 6589 of the Julian period ;
" 7384-85 of the Byzantine era ;
" 5636-37 of the Jewish era;
'• 2629 since the foundation of Rome, according to
Varro ;
2623 since the beginning of the era of Nabo-
nassar ;
" 2652 of the Olympiads, or the fourth year of the
663d Olympiad.
" 2188 of the Grecian era, or the era of the Salu-
cidse;
" J592 of the era of Diocletian ;
' 1293 of the Mohammedan era.
The Century Calendar.
I
=
3
1
5
6
0
I
2
3
L
4
5
6
7
L
8
P
10
II
L
12
13
14
15
L
16
17
i8
IQ
L
20
21
22
Z3
L
24
25
26
^7
L
28
2Q
3°
31
L
32
33
34
35
L
36
37
3«
39
L
4°
41
42
43
L
44
45
4b
17
L
48
49
50
SI
L
52
53
54
55
L
S6
57
sa
5q
L
bo
6i
62
63
L
64
6^
66
67
L
6ij
bg
70
71
L
72
71
74
75
L
7b
77
78
79
L
8o
81
82
"3
L
84
as
86
87
L
88
89
r
yi
L
92
93
94
95
gb
97
98
99
00
, J anuary 3
. February . . . .
. March
. April
.May
.June
July
.August
.September . . .
.October
.November . . .
.December . . .
.Sunday
. Monday
.Tuesday
.Wednesday. .
.Thursday. . . .
.Friday
.Saturday . . . .
*This Calendar was kindly furnished us for the Almanac by
the Author, E. M. ROBBINS, Esq., of this City.
To find what day of the week any date in this century
falls on. Find the year in the table, it being understood
that " I " stands for 1801, " 2" for 1802, etc. To the num-
ber over the year add the day of the month and the num-
ber set opposite the month on the right ; divide the sum
thus obtained by seven, and the remainder will be the day
of the week, as numbered above. For leap-years, use
the figure over the " I, " on the left of the year for January
and February, and the one over the year for the remaining
months.
Example: On what day did the 17th of June fall last
year ? Over 75 we find the figure 2, to this add 17, the day
of the month in question, and o which we find opposite
June ; dividing ig by 7 we have a remainder of five, which
shows that the Bunker Hill Centennial was celebrated on
Thursday.
The number over the year in the table may be obtained
without the table, by adding to any year the number of
leap-years in the century up to that time and dividing by
seven ; the remainder will be the number required. So if
one can remember the numbers set opposite the months,
he can dispense with the use of the table entirely In the
example above, the 2 over 75 is found by adding 18 to 75,
and dividing the sum by seven, the remainder is two. For
leap-years decrease the number thus obtained by one
(calling the cipher 7) if the date is in January or February.
For the i8th century after 1752. find the day for the cor-
responding year m this century and add two days.
Signs of the Zodiac,
Spring Signs.
1. T Aries.
2. B Taurus.
3. n Gemini.
Autumn Signs.
7. :i= Libra.
8. til Scorpio.
9. t Sagittarius.
Summer Signs.
4. O Cancer.
5. ft Leo.
6. liJi Virgo.
Winter .Signs.
10. ■VS Capricornus.
11. »w Aquarius.
12. a Pisces.
Signs of i\}e Plai^etSj etc,
5 Pallas.
? Ceres.
V Jupiter.
^ Saturn.
JJl Herschel or Uranus. 1|
i Neptune.
;*: A Fixed Star.
© The Sun.
e The Earth.
• ® © O The Moon.
5 Mercury.
? Venus.
i Mars.
8 Vesta.
5 Juno.
6 Conjunction, or having the same longitude or right
ascension.
D Quadrature, or differing 90° in longitude or right
ascension.
S Opposition, or differing 180° in longitude or right
ascension.
Q The ascending^ f3 the descending node.
The Epact is the Moon's age at the beginning of the
year.
Nineteen years are very nearly equal to a whole number
of lunar months: hence, once in nineteen years the phases
of the Moon fall on the same days. These years are num-
bered up from one to nineteen, and the Golden Number
marks the position of the year in this cycle of nineteen.
The Solar Cycle is a period of twenty-eight years, so
called because in the twenty-eighth year after any year
which may be taken, all the days of the week fall on the
same days of the month as they fall in that year. One of
these cycles was finished in 1872, and 1876 is the fourth
year in the next cycle. All the days of 1876 will corre-
spond with those of 1848.
The Roman Indiction is a cycle of fifteen years, used in
the Middle Ages, but wholly chronological. The first one
began January i, A. D. 313.
The Julian Period begins when the indiction, the solar
cycle, and the lunar cycle all begin together, and is there-
fore 15 X 19 X 28 years in length, 7980 years.
Calendar Explanations,
The time given in the Calendars under the head " Sun
Rises" is, of course, forenoon; that under "Sun Sets"
is always afternoon. In the columns of Moon's rising and
setting, the time of only one of these events is given for
each day — that one which occurs while the Sun is down.
When the word "rises" is found in the column, the Moon
is at the full, and the figures following that word are P.M.,
or evening, until the word " morn," which means midnight.
From "morn" the figures are A.M., the Moon rising in
the morning before the Sun is up. Then after the word
"sets," the time of setting is given, which grows later and
later, from early evening until early morning, until the
Moon again is at the full. Thus, taking the January Cal-
endar, the Moon " sets" steadily later and later, from 9.37
P. M., on the ist, to 7.14 A. M., on the loth ; then she is
full, and the "rising" time is given from 6.41 P. M., on
the i2th, to 7.08 A. M., on the 25th. Carefully noting
this will avoid all confusion which might arise from the
absence of the signs A. M. and P. M. In the column
of " High Water," " eve" means simply afternoon. From
"mom" to "eve" is forenoon; from "eve" to "morn"
is afternoon.
THE NEW-YORK ALMANAC.
WE once heard a sermon on New '^'ear's Eve
from the text : "This year thou shalt" — .
The year was to fill it out for every one. We are
not going to preach here, but the coming year con-
tains a destiny for each of us whether we are re-
minded of it by the preacher or not. Not an
unalterable destiny, but a destiny over which we
have a partial control. We can put our houses in
order for coming storms if we cannot avert the
storms. We can prepare ourselves for a rational
enjoyment of the good things it shall please God
to send us and to enable us to win, though of
ourselves we could not secure them.
The picture on the opposite page is a good indi-
cation of the expectancy with which many will
begin the New Year. Who is coming? What is
coming? Some one, something, surely. We
shall not always jog on in this hum-drum way.
There will be a turn in the road sometime, an end
to it somewhere. Will this vear see it ?
Well, what matters it ? Let us be just and fear
not. Let us be prepared for anything, and meet
whatever comes with fortitude and resignation.
Then shall it be well with us and well with our
children. We know there are many who fear it
may not be well with their children should they
themselves be taken away. They could not leave
enough property to support them during their years
of dependence, nor to educate them respectably.
But have they done all that can be done to save
their families from poverty in such a contingency ?
On this the first day of the year, let every man
l^onder this truth : By life insurance the proba-
bility (tnerely) that a man will live long, is converti-
ble into a large sum of money in case of death. The
cost of insurance is but little, and there is no more
appropriate New Year's gift to wife and children,
than a life policy for their benefit.
Get them one at once, and see if New Year's
Day, 1876, is not the happiest of your life.
JTirst JHontl).
IpAAAAA.feAAAA^
I JANUARY, 1876. 5
^AAAA-sVA.A-feAA-AJg.,^"^A A A A ft, AJt.ft. A AA.^
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3
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4
Tues
5
Wed
6
Thur
7
Fri
8
Sat
P
;S
lO
Mon
II
Tues
12
Wed
n
Thur
14
Fri
15
Sat
16
S
17
Mon
18
Tues
IQ
Wed
20
Thur
21
Fri
22
Sat
2^
S
24
Mon
25
Tues
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Wed
27
Thur
28
Fri
29
Sat 1,
SO
.s
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Mon
CALENDAR FOR
Boston. New ENiiLAND,
New York State, Michigan '
Wisconsin, Iowa and
Oregon.
Sun Sun
Rises Sets
H. X
7 30
730
7 30
7 30
730
7 30
730
730
730
7 29
7 29
7 29
7 28
7 28
7 27
7 27
7 26
7 26
7 25
724
7 23
7 22
7 22
7 21
7 20
7 20
719
7 18
7 17
7 16
7 15
438
4 39
440
441
4 42
4 43
4 44
4 45
446
4 47
448
4 49
4 50
4 51
4 53
4 54
4 55
4 56
458
4 59
5 o
5 I
5
5
5
5
5
5
3
4
5
6
7
9
5 10
5 II
5 13
Moon H. W.
Sets Bost.
H. M.
9 37
1043
II so
morn
57
2 II
3 30
4 46
6 5
7 14
rises
6 41
7 57
9 8
10 16
11 71
morn
26
1 29
2 36
338
4 44
542
6 29
7 8
sets
6 22
7 30
835
9 39
ID 50
2 25
3 3
3 47
4 33
5 25
6 22
7 25
834
9 43
10 48
11 44
morn
37
1 26
2 12
254
336
4 20
calkndar for calendar for
N.Y (;iTT. Philadelphia, Virginia, Wash.,
(^ONNECTicnT, New .Jersey M.^KYL'D, Kentuc'y
Pennsylvania, Illinois, Missouri and
Ohio and Indiana. California.
5 8
5 57
656
751
848
942
10 31
11 18
II 58
ev.38
I 17
I 55
234
Sun
Rises
H. M.
7 25
725
7 25
725
7 25
7 25
7 25
7 24
7 24
724
724
7 23
7 23
7 23
7 22
7 22
7 2t
7 21
7 21
7 20
7 19
718
7 17
7 17
7 16
7 16
7 15
7 14
7 13
7 12
7 12
Sun
Sets
4 43
4 44
4 45
4 46
4 47
448
4 49
4 50
451
4 52
4 53
4 54
4 55
4 56
4 57
4 59
5 o
5 I
5 2
5 3
5 4
5 5
5 7
5 8
5 9
5 10
5 "
5 13
5 14
515
5 '6
Moon
Sets
H. M.
9 39
1043
II 49
morn
55
2 7
3 21
440
558
7 7
rises
645
7 59
9 10
10 16
11 19
morn
24
1 26
2 31
3 32
4 27
5 34
6 22
7 2
sets
5 27
7 33
836
938
H. \V
N.Y
;• 1'
Sun
Rises
H. M. j H. M.
II so
mom
33
1 20
2 II
3 8
4 10
5 19
6 29
7 32
8 27
9 23
10 II
1054
11 38
ev.22
I 7
I 54
2 46
4 36
5 33
638
716 !
8 0
843
9 24 1
10 3
1039
II 15
II 59
7 19
7 19
7 19
7 19
7 19
7 19
719
719
719
7 19
7 19
718
718
718
718
717
7 17
7 16
7 16
7 15
7 15
7 14
7 14
7 13
7 12
7 12
7 II
7 10
7 9
7 8
7 8
Sun
Sets
H.M.
4 49
450
45'
452
452
4 53
4 54
4 55
456
4 57
458
4 59
5 0
5 I
5 2
5 3
5 5
5 6
5 7
5 8
5 9
5 10
5 II
5 12
5 13
5 15
516
S 17
518
s 19
520
Moon
Sets
H. M,
941
1044
II 49
morn
53
2 4
3 17
4 33
5 SI
659
rises
649
8 2
9 II
10 16
2 25
3 26
430
5 26
6 IS
65s
sets
6 30
7 35
837
938
10 46
CALENDAR FOR
Cha'ston, N. Carolina, m
Tenn., Georgia, Alabama, 1'
Mississippi and
Louisiana.
H. W.
C'ton I
H. M.
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7 2
7 2
7 2
7 2
7 I
7 I
7 o
7 o
7 o
659
658
658
6 57
657
656
SlIN
Moon
j Sets
Sets
H. M.
H. M.
5 5
9 47
5 b
10 46
5 7
II 46
5 7
morn
5 8
46
5 9
I 53
5 10
3 2
5 10
414
5 12
5 29 1
5 12
b37 1
S13
rises 1
5 14
7 3
5 IS
8 II
516
9 16
5 17
10 16
518
11 14
5 19
morn |
5 20
13
521
I 10
521
2 10
5 22
3 8
5 23
4 9 '
5 24
S 4
525
5 53
5 26
6.35
5 27
sets
528
6 41
5^9
742
530
8 40
531
9 37
532
10 41 1
10 25
11 3
II 47
ev.33
1 25
2 22
3 25
4 24
5 43
648
7 44
837
926
10 12
1054
11 36
1 57
2 56
3 51
448
5 42
6 31
718
758
8 38
9 17
9 55
1034
Moon's Phases.
First Quarter,
Full Moon,
I -est Quarter,
New Moon,
Boston.
H. M.
10 40 Morning.
I 39 Morning.
4 5 Morning.
8 58 Morning.
New-York.
H. M.
10 28 Morning.
1 27 Morning.
3 53 Morning.
8 46 Morning.
Washington.
H. M.
10 16 Morning.
I 15 Morning.
3 41 Morning.
8 34 Morning.
Charleston.
H. M.
10 4 Morning.
1 3 Morning.
3 29 Morning.
8 22 Morning.
Sun at Noon Mark.
3 45
7 19
10 19
34
THE NE¥/-YORK ALMANAC
Who is C'oming ?
In the month of January, 1875, the New- York Life Insurance Company paid insurance policies
on the lives of twenty-eight persons, amounting in all to if^SQ.ggS. These persons had paid to the
h Company for their policies ^29,002.08, showing a gain of $59,882.92, or, over two hundred and six per cent.
THE NEW-YORK ALMANAC
DURING the month of Februan', 1875, tlie New-
York Life Insurance Company paid in-
surance on the lives of forty-seven persons. The
whole amount paid was $115,661. The whole
amount that had been paid to the Company by the
holders of these policies was $32,724.52. The gain
to the families of the deceased was $82,936.48.
Thus they received back all the money the policies
cost, together with 253 per cent, interest on the
same.
MONEY put at interest is within easy reach,
and a need less than that which would be felt
in case of the fathers death causes it to be with-
drawn. The premium on an insurance policy
comes to be considered a part of a man's regular
expenses, and is provided for as such. The regular
habits of earning and saving which life insurance
stimulates and promotes enables a man to ac-
complish far more in life than he otherwise would.
IT may be safely said that every man who has
others depending upon him, and whose prop-
erty is not in itself an adequate provision for them
in the event of his death, is in duty bound to insure
his life. — Geo. Cary Eggleston in ' 'How to Alake a
Living.
A MAN who can give up dreaming and go to
his daily realities ; who can smother down
his heart, its love or woe, and take to the hard
work of his hand ; who defies fate, and, if he must
die, dies fighting to the last — that man is life's best
hero.
WHAT use is there in wealth to him who neither
gives nor enjoys it ? What is strength to
him who subdues not his own foes? What signifies a
knowledge of the Scriptures to him who fails to
practice virtue ? What is the soul itself to him
who keeps not his own body in subjection ?
^ iltDrntssitinc JBags. jl
Scconli jBlonti).
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AAAAA^
^T^iflfTflfifTf-i^'ififif-if-i!r-if-!i:if-if'if'if-ifif'i,f-iif-if)^
FEBRUARY, 1876.
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2
Wed
M
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Thur
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4
Fri i
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Sat
M
6
a
S8
7
Mon
?0
8
Tues
40
q
Wed
41
10
Thur
42
II
Fri
4^
12
Sat
44
13
.S
4-;
14
Mon
46
IS
Tues
47
16
Wed
48
17
Thur
49
18
Fri
■io
iq
Sat
51
20
a
.S2
21
Mon
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22
Tues
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SS
24
Thur
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Fri
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26
Sat
■;«
27
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28
M on
60
29
Tues
calendar for
Boston, New England,
NewYork State, Michigan
Wisconsin, Iowa and
Oregon.
Sun
Sun
Moon
Rises
Sets
Sets
H. M.
H. M.
H. M.
714
5 14
"59
7 13
5 15
morn-
7 "
S^b
I 12
7 10
518
2 29
7 9
s 19
3 47
7 »
5 20
456
7 7
522
5 57
7 b
523
641
7 5
5 25
rises
7 4
526
645
7 2
5 27
7 54
7 I
529
9 3
7 0
530
10 10
658
5 31
II 17
b57
5 33
morn
b55
5 34
24
654
5 35
I 26
652
,S3t.
2 34
651
5 3«
3 34
6 50
5 3Q
425
648
541
5 II
647
542
5 43
64s
5 43
613
644
5 45
638
6 42
5 46
sets
b4o
5 47
729
638
548
841
(337
5 49
9 52
636
5 5°
II 3
H. W.
BOST.
H. H.
3 14
3 59
4 54
5 57
7 o
8 26
9 37
1038
II 30
morn
14
59
138
2 17
2 56
338
4 25
5 17
6 19
7 20
8 20
9 16
10 6
1053
11 30
ev.io
47
1 25
2 6
calendar for
N.Y. City. Philadelphia,
Connecticut, New Jersey
Pennsylvania, Illinois,
Ohio and Indiana
Sun
Rises
711
7 10
7 9
7 7
7 6
7 5
7 4
7 3
7 2
7 I
7 o
658
6 57
656
655
653
6 52
651
649
648
646
645
644
6 42
6 41
6 39
638
637
6 38
Sun
Moon
Sets
Sets
H. M.
H. M.
518
II 56
5 19
morn
5 20
I 8
5 21
2 23
5 22
340
523
4 49
525
5 50
5 26
6 35
■ 5 27
rises
528
6 47
5 3°
7 54
531
9 I
532
10 8
5 34
II 13
5 35
mom
5 3^
17
5 37
I 21
5 39
2 27
540
3 26
541
4 18
5 43
5 4
5 44
5 37
5 45
6 8
546
635
548
sets
5 49
729
5 50
8 40
5 51
9 49
5 52
II I
H. W.
N.Y.
mom
46
141
2 46
358
5 2
6 23
723
813
9 °
944
10 23
1059
•II 40
ev.30
1 12
2 3
3 5
4 5
5 4
6 2
6 52
7 37
8 15
8 S3
9 33
10 II
1049
11 33
calendar for
Virginia, Wash.,
Maryl'd, Kentucky
MissiicRi and
California.
Sun
Sun
Moon
Rises
Sets
Sets
H. M.
H. M.
H. M.
7 7
521
II S3
7 t)
523
morn
7 5
5 24
I 3
7 4
5 25
2 17
7 3
5 2b
3 33
7 2
5 27
441
7 I
528
5 43
7 °
529
5 29
b.SQ
530
rises
658
5 32
649
(5 57
5 33
7 55
b5S
5 34
9 I
654
5 35
10 6
6.53
S36
II 10
6 52
5.38
morn
651
5 39
3
649
540
I 15
648
541
2 20
647
542
318
646
5 44
4 10
b44
5 45
4 57
643
546
531
6 42
5 47
b 3
6 40
548
631
638
5 49
sets
0 37
551
7 29
636
552
838
634
5 53
9 47
6 33
5 54
1057
calendar for
Cha'ston, N. Carolina,
Tenn., Georgia, Alabama,]
Mississippi and
Louisiana.
Sun
Rises
65s
655
654
6 53
6 52
6 52
651
6 50
649
648
647
647
646
6 45
644
643
6 42
6 41
6 40
6 39
6 37
636
6 35
6 34
633
C 32
6 31
6 30
6 29
Sun
Moon
Sets
Sets
h. m.
h. m.
5 33
II 43
5 34
morn
5 34
52
5 35
I 59
536
3 12
537
4 19
5.38
5 22
5 39
611
5 4'3
rises '
5 41
65C
542
758
5 43
859
5 44
9 59
5 45
1059
546
II 58
5 47
morn
S48
57
548
2 0
5 49
256
5 50
348
551
436
6 52
5 13
S S3
5 49
,5 54
6 21
5 55
sets
5 56
730
5 57
834
558
938
5 59
1044
H. W.
("tonJ
II 14
II 59
ev54
I 57
3 o
4 26
5 37
638
7 30 /'ii
8 14
859'
938
10 17
10 5C
11 38
mom
25
1 17
2 19 ,
3 20
4 20
5 16
6 6
6 53
730
8 10 ,
847
925
10 6
Moon's Phases.
D.
First Quarter,
2
Full Moon,
9
Last Quarter,
16
New Moon,
25
Boston.
h. m.
9 9 Evening.
I 3 Evening.
0 12 Morning.
1 36 Evening.
New-York.
H. M.
8 57 Evening.
0 51 Evening.
12 o Evening.
1 24 Evening.
Washington
Charleston.
8 45 Evening.
0 39 Evening.
II 48 Evening.
1 12 Evening.
H. M.
8 33 Evening.
0 27 Evening.
II 36 Evening.
1 o Evening.
Sun at Noon Mark.
I
12
13
51
9
12
14
28
17
12
14
10
25
12
13
19
THE NE^V-YORK ALMANAC
I
7 ^i
The Empty Basket.
QYDNEY Smith had a maid who used to boil die
O
eggs very well by her master's watch ; but one
day he could not lend it to her, because it was un-
der repair, so she took the time from the kitchen
clock, and the eggs came up nearly raw. " Why
did n't you take the three minutes from the clock, as
you do from the watch, Mary? " " Well, sir," re-
plied Mar>-, " I thought that would be too much,
as the hands are so much larger."
H
E lives a nobler life who believes himself im-
mortal. He is not born to die, but to take
part in all the long ages of eternity in whatever
.shall come to pass. Thus faith in the future en-
nobles the present. — J. F. Clarke.
A MAN whose mind is trained to find happiness
in doing good, almost always has the means
of happiness at command.
THE NEW-YORK ALMANAC.
DURING the month of March, 1875, the New-
YoRK Life Insurance Company paid
insurance on the lives of thirty-six persons. The
wliole amount paid was $138,151. The whole
amount that had been paid to the Company by the
holders of these policies was $52,463.68. The gain
to the families of the deceased was $85,687.32.
Thus they received back all the money the policies
cost, together with 163 per cent, interest on the
same.
MAHOMET overheard one of his followers say,
" I will loose my camel and commit him to
God." " My friend," said Mahomet, tie thy
camel and commit him to God." It is presump-
tion, and not faith, that expects a harvest without
sowing, or that prays God to avert a calamity
while neglecting to use all lawful means for avert-
ing it. The means themselves are God's mes-
sengers.
How many bitter but vain regrets are sometimes
expended over a lapsed life policy ! The oc-
casion has arisen when a little sacrifice, some effort,
was needed to keep the assurance in force. But
the effort was not put forth. No other sacrifice
would have been needed; but the opportunity has
been lost, and with it all the advantages of the
policy, hopelessly and forever. — Londoti his. Agent.
T
PHE New- York Life is one of the best com-
panies in the country. Its President and offi-
cers are well-known and trusted men. We know,
from personal experience, its fair and liberal deal-
ing with policy-holders. — New-York Obserz'er.
\ HUNDRED good works are lost upon the
-^^^ wicked ; a hundred wise words are lost upon
fools; a hundred good precepts are lost upon the
obstinate ; a hundred sciences upon those who
never reflect.
t, ?ri)itU ifflonti). ;
I MARCH, 1876. I
^AAAA.AAAA A, AA.AAA.A-AAAA.A..AAAA.J'^
61
62
]1,1 63
64
6s
66
67
68
69
70
71
72
73
74
75
76
77
78
79
n
M
?,
0
S
^
h
0
0
>•
IM
Q
I
Wed
2
Thur
3
Fri
4
Sat
•^
s
6
Mon
7
Tues
8
Wed
9
Thur
10
Fri
II
Sat
12
JS
13
Mon
14
Tues
15
Wed
16
Thur
17
Fri
18
Sat
19
;S
20
Mon
21
Tues
22
Wed
2-3,
Thur
24
Fri
25
Sat
1 26
^
27
Mon
! 28
Tues
29
Wed
,0
Thur
31
Fri
calendar for
Boston, New England,
NbwYork State, Michigan
Wisconsin, Iowa and
Oregon.
H. W.
BOST.
2 49
3 40
440
5 52
7 8
8 24
9 26
10 21
11 6
II 46
morn
23
1 I
1 41
2 20
3 3
351
4 45
5 47
651
7 49
8 45
9 34
10 18
1059
" 37
ev. 16
59
1 44
2 35
3 33
CALENDAR FOR CALENDAR FOR I CALENDAR FOR
N.Y. City, Philadelphia, Virginia, Wash., j Ch.\'ston, N. Carolina,
Connecticut, New.Iersev Martl'd, Kkntuc'y | Tenn., Georgia, .Alabama,
Pennsylvania, Illinois, Missouri and j Mississippi and
Ohio and Indiana. California. Louisiana.
ScN Sun
Rises Sets
635
6 34
6 32
6 30
6 29
6 27
6 25
6 24
6 22
6 20
6 19
6 17
616
6 14
6 12
611
6 Q
5 53
5 53
5 54
5 55
556
5 57
558
0 o
6 I
6 2
6 7
6 6
6 4
6 2
6 I
5 59
558
556
5 54
552
5 51
5 49
5 47
5 46
611
6 12
6 13
6 14
615
616
6 17
6 18
6 19
6 20
6 21
6 22
6 23
.Moon's Phases.
D.
First Quarter,
3
Full Moon,
10
Last Quarter,
17
New Moon,
25
Boston.
H. M.
5 4 Morning.
I 28 Morning.
8 40 Evening.
3 28 Evening.
Moon
Sets
H. M.
morn
14
1 29
2 40
341
430
S "
5 44
611
rises
7 49
855
ID I
II 6
morn
14
T 14
2 9
2 57
3 35
4 8
4 37
5 I
5 22
sets
7 35
8 17
9 51
II 17
mom
35
H. W. Sun
N. Y. Rises
I 27
238
3 S3
5 9
6 13
7 7
748
8 29
9 10
947
10 23
" 3
11 48
ev.37
1 32
2 33
3 33
4 34
5 30
6 20
7 4
742
8 19
9 12
9 45
10 28
11 17
morn
19
633
6 32
6 30
6 29
6 27
626
6 24
6 23
6 21
6 20
618
6 17
615
6 13
6 12
6 10
6 9
6 7
C 6
6 4
6 3
6 I
5 59
558
556
5 54
5 53
5 51
5 50
548
5 47
Sun
Sets
H. H.
5 54
5 55
5 56
5 57
5 57
S5«
5 59
6 0
6 I
6 2
6 3
6 4
6 S
6 6
6 7
6 8
6 q
610
611
6 12
6 IS
614
6 IS
616
6 17
6 18
6 19
619
620
621
6 22
Moon
Sets
H. M.
morn
8
1 22
2 32
3 33
4 24
5 6
5 40
6 9
uses
748
852
9 57
II I
morn
5
1 7
2 2
2 50
3 29
4 3
4 33
458
521
sets
7 32
843
9 47
II II
morn
26
Sun
Sun
Moon
Rises
Sets
Sets
H. M
H. M.
H. M. ,
628
5 59
II 51
6 27
5 59
morn [
626
6 0
I 2
6 25
6 0
2 10 1
6 23
6 I
3 II
6 22
6 I
4 4
6 21
6 2
4 SO
6 20
b 3
5 29
6 19
6 3
6 3
bi7
b 4
rises 1
616
6 S
7 43 !
6 IS
6 6
844 !
6 13
6 6
9 45
6 12
6 7
104s i
C II
6 8
II 45 1
610
b q
mom j
6 8
6 9
45
b 7
6 10
I 39 .
6 6
611
2 28
6 4
6 12
3 9
b 3
6 12
3 47
6 I
613
4 21
5 59
bi4
4 49
5.S8
6 14
5 17 '
5 57
6 IS
sets
SS6
6 16
726
5 55
6 16
8 32
5 54
bi7
931
5 52
6 18
10 51
5 51
6 19
mora
.SSo
019
4
New-York.
H. M.
4 52 Morning.
I 16 Morning.
8 28 Evening.
3 i5 Evening.
Washington.
H. M.
4 40 Morning.
I 4 Morning.
8 16 Evening.
3 4 Evening.
Charleston.
4 28 Morning,
o 52 Morning.
8 4 Evening.
2 52 Evening.
Sun at Noon Mark.
THE NEW-YORK ALMANAC
The Refuge.
A SSUME all men to be honest whom you do not
l\.
know ; but never put it in any one's power
to cheat you in case he be a rogue.
LOVE you none? Then arc you lost to love.
Love is the key to felicity ; nor is there a
heaven to any who loves not. — Alcoii.
THE NEW-YORK ALMANAC.
DURING the month of April, 1S75, the New-
York Life Insurance Company paid in-
surance on the lives of forty-seven persons. The
whole amount paid was $156,522. The whole
amount that had been paid to the Company by the
holders of these policies was $45,877.12. The gain
to the families of the deceased was $110,644.88.
Thus they received back all the money the policies
cost, together with 241 per cent, interest on the
same.
A NEGRO once said in a prayer meeting, " Bred-
ren, when I was a boy I took a hatchet and
went into the woods. When I found a tree dat was
straight, big and solid, I didn't touch dat tree ; but
when I found one leaning a little, and hollow inside,
I soon had him down. So when de debil goes after
Christians, he don't touch dem dat stand straight
and true, but dem dat lean a little, and are hollow
inside."
GRIND while the wind is fair, and if you neglect,
do not complain of God's providence.
DEMOSTHENES once advised the Athenians to
make war upon Philip at the greatest pos-
sible distance from Attica. To this Phocion re-
replied : " My good friends, consider not so much
where we shall fight as how we shall conquer ; for
victory is the only thing that can keep the war at
a distance. If we are beaten, every danger will
soon be at our gates." A great many men are
thinking that, if their lives are spared, they will be
able to lay up much for their children, and give
them many advantages. Our advice to such is,
that they consider not how much they will accumu-
late for their children if they live long, but how
little they will leave them if they die young; if
they live long, the children will be cared for, but
if they die young, poverty will be at their doors at
once.
t, JFourtlj Jiaontl). -^
i c^A-ft-A^ A AAA A.^ll'^
I APRIL, 1876. 4
^AAAAAAft-AAAAAAAAAAAAAAAAJlJ'^
JTflirtj) ffiajjB.
I g^ AsX feA -ft. A JtAAAJ^'
1
I
fc.
b
fe.
0
0
0
t-
(-
)«
«!
<
<
«
a
]
q2
I
Sat
P^
2
;S
P4
s
Mon
QS
4
Tues
q6
S
Wed
P7
6
Thur
q8
7
Fri
99
8
Sat
100
P
S
101
10
Mon
102
II
Tues
lOI)
12
Wed
104
i^
Thur
10s
14
Fri
106
IS
Sat
107
16
Sj
108
17
Moil
loq
iS
Tues
110
19
Wed
III
20
Thur
112
21
Fri
in
22
Sat
114
23
;S
IIS
24
Mon
116
2S
Tues
117
26
Wed
it8
27
Thur
iiq
28
Fri
I20
121
29
^0
Sat
CALENDAR FOR
KOSTON, New KNCiLAND,
NkwYork State,Michigan
Wisconsin, Iowa and
Oregon.
calendar for
N.Y. City. Philadelphia,
Connecticut, New Jersey
Pennsylvania, Illinois,
Ohio and India.na.
calendar FOR 1! CALENDAR FOR
Virginia, Wash., [. Cha'.ston, N. Carolina,
Maryl'd, Kentuc't |[ Tenn., Georgia, Alabama,
MissoCRi AND ij Mississippi AND
California. Louisiana.
5 43
542
540
538
5 36
5 34
5 32
531
5 29
5 27
5 26
524
5 23
5 21
5 19
5 18
S16
514
5 13
5 II
5 10
5 8
5 &
S 5
5 3
5 2
5 I
4 59
458
4 56
Sun
Moon
Sets
Sets
H. M.
H. M.
626
145
628
239
6 29
3 17
6 30
350
b3i
416
6 32
4 39
«'.3.3
5 0
(3 34
uses
MS
7 47
636
856
637
10 I
638
II 10
6 40
morn
641
8
6 42
59
643
I 40
1 «>44
2 II
645
241
647
3 4
648
3 37
649
348
6 50
4 45
6, SI
5 32
6 52
sets
653
9 4
6.S4
lo 24
6.S5
II 35
656
morn
658
34
659
I 18
H. M.
4 39
5 52
7 4
8 10
9 S
9 53
10 36
11 IS
II 52
morn
29
I 10
1 42
2 37
3 26
4 18
5 14
611
7 8
8 I
852
9 39
10 42
11 7
II 52
ev.39
1 33
2 31
331
436
Sun
Sun
Moon
Rises
Sets
Sets
H. M.
H. M.
II. M.
5 44
6 24
I 37
542
626
232
5 41
627
3 II
5 39
628
346
5 37
6 29
414
S3b
6 30
4 37
5 34
b3i
s °
5 33
632
rises
531
b.33
7 44
5 30
634
8. SI
S28
6 3S
9 55
5 26
636
II 3
5 25
6 37
12 0
524
638
morn
S 22
639
51
5 20
6 40
I 33
519
641
2 6
517
6 42
2 36
5 If
643
3 I
514
644
3 35
513
64s
348
5 II
646
446
5 10
647
5 34
5 8
648
sets
5 7
649
858
5 b
6 50
10 17
5 4
bSi
II 27
5 3
652
morn
5 2
653
27
5 0
6SS
I II
I 26
238
3 49
4 54
5 50
639
7 21
7 57
835
9 16
956
1036
II 19
ev.ii
1 5
2 o
2 57
3 53
446
5 37
6 25
7 26
7 49
835
9 25
10 18
11 14
morn
17
I 23
Sun
Sun
Moon
, Rises
Sets
Sets
II. M.
H. M.
H. .M.
546
6 23
I 29
5 44
6 24
2 25
542
625
3 6
541
626
3 41
5 39
6 27
411
' 5 37
628
436
1 5 36
6 29
5 0
5 34
6 30
rises
S33
5 31
740
S3I
632
8 46
, 530
f 33
929
: 5 28
634
1056
; 527
^3S
II 52
52s
636
morn
i 524
637
43
523
638
I 26
521
639
2 0
520
6 40
2 32
518
641
258
i 517
6 42
3 33
1 510
6 42
3 47
5 14
643
4 47
5 13
044
5.3b
tl 5 II
64s
sets
1 5^°
646
852
■ 5 9
647
10 10
, 5 8
648
11 19
:] 5 6
649
morn
i| 5 5
6 50
20
'1 5 4
6. SI
I S
Sun Sun Moon II. W.
Rises Sets Sets C'ton \
H. M.
548
5 47
546
5 45
5 43
542
541
5 39
538
5 37
5 3(5
5 34
5 33
532
531
S 30
528
527
5 25
525
5 24
523
5 21
5 20
5 19
518
5 17
516
515
5 14
6 20
6 CI
6 21
6 22
6 23
6 23
6 24
6 25
626
626
6 27
628
628
6 29
630
6 31
6 31
6 32
633
633
634
635
636
636
637
638
638
639
6 40
6 41
II. M.
1 7
2 5
249
329
4 2
432
5 I
rises
7 3^
832
9 31
1035
II 30
morn
21
I 7
1 42
2 17
247
3 27
3 45
4 50
5 43
sets
834
9 45
1057
II 59
morn
I 47
ev.39
I 52
3 4
4 10
5 5
5 53
636
7 IS
752
8 29
9 ic
942
1037
II 26
morn
18
1 14 ffl
2 II
3 8'
4 I
4 52
5 39
6 42
7 7
7 52
839
9 33 .
10 31
11 31
ev.36
Moon's Phases.
Boston.
Washington.
H. M.
1 28 Morning.
2 55 Evening.
3 53 Evening.
2 19 Morning.
5 43 Evening.
1 16 Morning.
2 43 Evening.
3 41 Evening.
2 7 Morning.
5 31 Evening.
1 4 Morning.
2 31 Evening.
3 29 Evening,
I 55 Morning.
5 19 Evening.
Charleston.
Sun at Noon Mark.
0 52 Morning.
2 19 Evening.
3 17 Evening.
1 43 Morning.
5 7 Evening.
D.
H.
M.
s.
32
3
44'
9
12
1
24
17
II
59
22
25
II
57
4b
30
II
57
I
THE NEW-YORK ALMANAC.
Country Friends.
/'\ UR well-doing in behalf of our fellow-men ought
^^ not to be left altogether to the impulse of
occasion as it may arise. There should be habit-
ual, careful, and frequent planning for it. Sucli
planning is needful to keep us in a right temper,
and to make us watchful of opportunities as they
may occur. — The Congregaticnalist.
NEVER was life insurance more needed, and
never could it be obtained on such favorable
terms and unquestioned security as arc now
afforded by the older mutual companies, among
which none occupy a more justly prominent posi-
tion than the Nevit-York Life. — Boston Daily
Advertiser.
5^=
THE NEW-YORK ALMANAC.
DURING the month of May, 1875, the New-
YoRK Life Insurance Company paid
insurance on the lives of forty-four persons. The
whole amount paid was $120,167. The whole
amount that had been paid to the Company by the
holders of tliese policies was $45,604.92. The gain
to the families of the deceased was $74,562.08. Thus
they received back all the money the policies cost,
together with 161 per cent, interest on the same.
Life insurance not only secures to a family a
large sum of money in case of the early death
of the insured, but it makes it available at the
most critical period in their history — the period of
mental paralysis, sorrow, and financial embarrass-
ment, which is almost sure to follow the death of
one upon whom their welfare so largely depended.
The proceeds of a life policy, in favor of wife and
children, are by law sacredly reserved to their use,
and cannot be attached bv creditors.
"N
EXT to the duty of providing against the des-
titution of one's children," says Mr. Elizur
Wright, " is that of making it sure that one's own
second childhood shall not burden the7n, or anybody
else." An Endowment Policy, providing insur-
ance during what vi^ill be, if he lives, the productive
years of a man's life, covers both these points. If
the man dies during this period, his family gets
the insurance ; if he lives, he gets the same amount
as an endowment.
A man's associates make his world. As he grows
old, they change with him, and he is apt to
think that the world has changed, when it is onl\
his world that has changed.
AS air rushes into vacant space, troubles rush
into a vacant soul. And as the smallest
quantity of air will expand so as to fill any vacant
place, the smallest trouble will fill a vacant soul.
ifi^ii I'j, a if if
n\) imonti).
%glf "if^ if if 'iflfif'if'if « ifitfififlfTfiflf'-^flf-if-ifiif:^
I MAY, 1876. I
[!; (!ri)irta=onr fflajjs. 4
^ 4
^A,ftAAAAA:^tJ"^l^'i
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
133
139
140
141
142
143
144
145
146
147
148
149
150
151
152
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
CALBNDAIl FOR
Boston, New Kngland,
NewYokk State, Michigan
Wisconsin. Iowa and
Okeqon.
Sun
Rises
q
Tues
10
Wed
II
Thur
12
Fri
i^
Sat
14
S
i^
Mon
16
1 ues
4 55
4 53
4 52
i 4 50
4 49
448
4 47
4 46
4 45
4 44
4 43
442
441
440
4 39
438
4 37
436
436
4 35
4 34
4 33
432
432
4 31
430
4 29
429
4 28
427
4 26
Sun
Moon
Sets
Sets
H. M.
H. M.
7 0
I 52
7 I
2 22
7 2
2 42
7 3
3 S
7 4
32s
7 5
3 45
7 b
4 7
7 7
rises
7 8
8 s6
7 9
956
7 10
10 52
7 "
II 37
7 12
morn
7 13
10
7 14
42
715
I 6
7 16
I 29
7 17
149
718
2 9
7 19
2 32
720
257
721
3 27
7 22
sets
723
9 15
724
10 21
725
II II
726
II 52
727
morn
728
25
728
49
729
I II
CALENDAR FOR
N.Y. City, Philadelphia,
CONNECTICCT, NKW JERSEY
Pknnsylvania, Illinois,
Ohio and Indiana.
N.y.
539 J
643 ;
740 j
8 32
9 18 I
951
1044 t
II 22
morn
3
46
1 29
2 16
3 I
3 49
4 39
531
6 23
7 16
8 8
859
9 50
1043
II 35
ev.30
138
2 46
3 23
4 19
5 13
6 8
Sun
Sun
Moon
Rises
Sets
H.M.
Sets I
ir. M.
H. M.
4 59
4 58
4 56
656
657
658
148
2 19
2 42
4 55
659
3 5
4 54
7 0
3 28
4 53
7 1
3 47
452
7 2
411
451
7 3
rises
4 49
7 4
8 so
448
7 5
9 49
4 47
7 f
1044
4 46
7 7
II 30
4 45
7 8
morn
4 44
7 9
4
4 43
7 10
37 1
442
7 II
I 3
441
712
I 27
440
713
I 49
4 39
7 14
2 9
4 39
438
715
716
233
3 0
4 37
436
436
717
718
7 19
331
sets
9 8
4 35
7 20
ID 14
4 34
7 20
II 5
4 34
7=1
II 47
4 33
722
morn
432
723
21
432
723
47
431
724
I 10
calendar for
Virginia, Wash.,
Maryl'd, Kentuc'y
Missouri and
California.
Sun I Sun Moon
Rises i Sets Sets
H. M.
2 28
3 29
425
5 17
6 4
647
728
8 5
8 48
9 32
10 14
1058
11 46
ev.3S
1 26
2 17
3 9
4 I
4 53
5 44
636
7 27
8 17
9 17
10 13
11 9
morn
8
I 6
1 59
2 54
I
i 5 2
5 I
I 5 o
4 59
i, 458
4 57
i 4 55
: 4 54
I' 4 53
I 452
li 451
I 4 50
I 4 49
4 49
448
4 47
446
4 45
4 44
4 43
4 43
I 442
I 441
i 441
i 440
I 4 39
I 4 39
438
4 38
! 437
' 4 37
6 52
653
6 54
655
656
657
658
6 59
7 °
7 I
7 2
calendar for
Cha'ston, N, Carolina.
Tenn., Georgia, Alabama,
Mississippi and
Louisiana.
7 3
7 4
7 6
7 7
7 8
7 9
7 10
7 10
7 II
7 12
7 13
7 14
7 14
7 15
7 16
7 17
7 17
7 18
1 43
2 16
2 40
3 5
3 27
3 50
4 15
rises
843
942
10 36
11 23
II 58
morn
31
59
I 24
1 47
2 9
2 35
3 3
336
sets
9 °
10 7
10 59
11 42
morn
18
4S
' 9
Sun
Sun
Moo.N
H. W.
Rises
Sets
Sets
C'ton
H. M
H. M.
H. M.
II. M.
5 13
6 42
I 29
I 39
5 12
643
2 6
243
5 II
0 44
2 35
3 40
5 1-5
G45
3 4
4 32
5 9
b45
3 30
5i«
5 8
646
3 57
.SSI'S
5 7
647
4 26
644
5 7
b47
rises
7 22
5 6
648
823
8 3
5 5
649
9 20
846
5 4
649
10 14
929
5 3
650
II 2
10 ID
5 2
bsi
II 40
II I S
5 2
b5i
morn
II 49
5 I
6 52
16
mom
5 0
653
47
39
5 0
654
I 16
I 31
459
t>54
I 43
2 23
4.58
655
2 9
458
b.55
2 39
4 57
656
3 12
459
4 57
bs7
350
550
456
657
sets
643
456
658
838
7 35
4 55
659
9 45
830
4 55
7 °
10 40
938
4 54
7 0
II 27
ID 46
4 54
7 I
morn
II 23 J
4 54
7 I
7
ey.19
4 S3
7 2
38
I 13
4 53
7 2
I 7
2 8
Moon's Phases.
Full Moon,
Last Quarter,
New Moon,
First Quarter,
Boston.
H. M.
5 9 Morning.
8 43 Morning.
10 41 Morning.
I 4 Morning.
New-York.
Washington.
Charleston.
4 57 Morning.
8 31 Morning.
10 29 Morning,
o 52 Morning.
H. M.
4 45 Morning.
8 19 Morning.
10 17 Morning,
o 40 Morning.
H. M.
4 33 Morning.
8 7 Morning.
10 5 Morning,
o 28 Morning.
Sun at Noon Mark.
II 56 54
II 56 14
II 56 II
II 56 45
THE NEW-YORK ALMANAC.
13
The I"i,(n\KK Gikls.
T
'Mlh: men who fail in business are the men who
do not provide for all the contingencies of
business. Sometimes these contingencies are so
remote and improbable that no blame is held to at-
tach to those who arc ruined by them. But, on the
other hand, they are sometimes so threatening that
the men who take the risk are considered reckless
and untrustworthy. No man who neglects to in-
sure his life can truly say that he does all he can
to save his family from disaster, because the con-
tingency is not unknown to him. This is why the
insurance of life counts for prudence and sagacity
among business men.
HE who frets is never the one who mends, heals,
who repairs evils ; more, he discourages, en-
feebles, and too often disables those around him,
who, but for the gloom and depression of his com-
pany, would do good work and keep up brave
cheer. And when the fretter is one who is beloved,
whose nearness of relation to us makes his fretting,
even at the weather, seem almost like a personal
reproach to us, then the misery of it becomes indeed
in.supportable. Most men call fretting a minor fault,
a foibk', and not a vice. There is no vice except
drunkenness which can so utterly destroy the peace,
the happiness of a home. — Helen Hunt.
THE NEW-YORK ALMANAC.
DURING the month of June, 1875, the New-
York Life Insurance Company paid in-
surance policies on the lives of thirty-nine persons.
The whole amount paid was $155,676. The whole
amount that had been paid to the Company by
the holders of these policies was $61,745.83. The
gain to the families of the deceased was $93,930.17.
Thus they received back all the money the policies
cost, together with 152 per cent, interest on the
same.
A WOMAN," says Mrs. Partington, "who has
once been married with a congealing
heart, and one that beat desponding to her own,
will never want to enter the maritime state a
second time."
A SOUND mind finds no pleasure in the weak-
nesses of others. Whatever lowers our view
of man's nature, lowers our hope of man's destiny.
BETTER than medicine is a life policy often in
case of the severe illness of the insured. How
many a feverish brain has been tortured into de-
lirium by the harrowing thought, that, if death
should come, the family would be left unprovided
for ! And so a lack of the very thing that, if pos-
sessed, would deprive death of half its terrors,
is the cause of making it more imminent and ter-
rible. As the reserves of an army give confidence
and steadiness to those in the fight, and enable
them to win the victory, so a life policy, by the
moral support it gives to a sick man, enables him
to overcome diseases which might otherwise prove
fatal.
AN old author quaintly remarks : " Avoid argu-
ments with ladies. In spinning yarns among
silks and satins, a man is sure to be worsted and
twisted. And when a man is worsted and twisted,
he may consider himself wound up."
^ .,11
■^ Siitf) JHDiitl,. ^
I JUNE, 1876. i
>3- -si
STfjtrtg ffiaga.
■^u
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
S_at
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
CALENDAR FOR CALENDAR FOR
Boston, New England, jj N.Y. Oitt. Philadelphia.
NewYork State, Michigan j Connecticut, New Jersey
Wisconsin, Iowa and Pennsylvania. Illinois,
Oregon. Ohio and Indiana.
Sun
Rises
H. M.
4 26
4 25
4 24
4 24
4 23
4 23
4 23
4 22
4 22
4 22
4 22
4 22
4 22
4 22
4 22
4 22
4 22
4 22
4 22
4 22
4 23
4 23
4 23
4 23
4 23
424
4 24
4 24
4 25
SCN
Sets
7 30,
7 31
7 32
7 32
7 33
7 34
7 35
7 35
7 3<J
7 36
7 37
7 37
738
738
738
7 39
7 39
7 39
7 39
7 39
7 39
7 39
740
740
740
740
740
740
740
7 40
Moon
Sets
I 31
1 51
2 ti
2 37
3 4
rises
847
9 34
10 17
1043
10 59
11 32
II 53
morn
12
33
54
1 23
156
2 39
sets
9 I
945
10 21
1050
11 14
II 35
II 55
morn
18
H. W.
Bost.
7 I
752
842
929
10 13
11 o
II 42
morn
26
I II
1 44
2 46
318
4 o
4 45
5 34
6 27
723
825
9 25
10 27
11 27
ev 22
1 20
2 12
3 o
3 47
4 36
5 26
6 19
Sun
StJN
Rises
Sets
H. M.
U. M.
431
724
430
725
430
7 26
430
7 26
429
727
429
7 28
4 29
728
429
729
428
7 3°
428
7 3°
428
731
428
731
4 28
732
4 28
732
4 28
732
4 28
7 33
428
7 33
4 28
7 33
4 28
7 34
4 29
7 34
429
7 34
429
7 34
429
7.34
429
7 35
430
7 35
430
7 35
4 30
7 35
431
7 35
431
7 35
431
7 35
Moon
H.W.
Sets
N.Y.
H. M.
H. M.
I 31
336
153
4 37
2 15
527
241
bi5
310
7 0
rises
7 43
839
826
9 27
9 13
10 18
9 59
1042
10 36
10 56
II 18
II 29
ev. 3
II SI
47
morn
I 32
II
2 20
34
3 13
56
4 8
I 26
.510
2 I
611
24s
7 12
sets
8 10
854
9 10
9 39
10 6
10 17
10 54
10 48
II 45
11 13
mom
II 35
33
II 57
I 23
morn
2 12
20
3 5
calendar for
Virginia, Wash.,
Maryl'd, Kentuc'y
Missouri and
California.
Sun
SnN
Moon
Rises
Sets
Sets
H.M.
H. M.
H. M.
1 436
719
I 32
1 436
719
I 55
• 436
7 20
2 19
4 35
721
2 46
4 35
7 21
3 It.
4 35
7 22
rises
4 34
723
831
4 34
723
9 19
4 34
724
10 4
4 34
724
10 32
; 4 34
72s
10 51
1 4 34
725
II 26
j 4 34
7 26
II 49
4 34
7 26
morn
i 4 34
7 26
II
1 4 34
727
34
4 34
727
59
4 34
7 28
I 30
! 4 34
7 28
2 7
4,34
7 28
2 52
4 34
728
sets
4 35
7 28
847
4 35
729
9 34
4 35
729
10 13
4 35
729
1045
4 3°
7 29
II 12
436
729
11 ^6
4 37
729
II 58
4 37
729
morn
4 37
7 29
23
calendar for
Cha'ston. N. Oarolin.4.
Tenn., Georgia, Alabama,
Mississippi and
Louisiana.
Sun
Sun
Moon
Rises
Sets
Sets
H. u.
H. M.
H. H.
452
7 3
136
452
7 3
2 I
452
7 4
2 29
452
7 4
3 0
452
7 5
3 33
451
7 5
rises
451
7 0
8 9
451
7 0
858
4 51
7 7
9 44
451
7 7
10 16
451
7 8
10 38
451
7 8
II 17
451
7 8
II 44
4 51
7 9
morn
451
7 9
10
451
7 9
37
451
7 10
I 6
451
7 10
142
4 52
7 10
2 23
4 52
7 II
3 12
452
7 II
sets
452
7 II
8 27
452
7 II
9 17
4 53
7 II
10 0
4 53
711
1037
4 53
712
II 8
4 54
7 12
n 36
4 54
7 12
morn
4 54'
712
3
4 55
712
32
3 I
3 52
4 42
5 29
6 13 ^1
7 o
742
826
Q II
9 44
10 46
morn
45
1 34
2 27 ji|
3 23 "
425
5 25
6 27
7 27
8 22
iH^ir
II o I
II 47 ill
ev.36
1 26
2 19
Moon's Phases.
Full Moon,
Last Quarter,
i New Moon,
First Quarter,
Boston.
7 53 Evening.
10 30 Evening.
/ 5 33 Evening.
10 30 Morning.
New-Y'ork.
H. M.
7 41 Evening.
10 18 Evening.
5 21 Evening.
10 18 Morning.
Washington.
H. M.
7 29 Evening.
10 6 Evening.
5 9 Evening.
6 Morning.
Charleston.
7 17 Evening.
9 54 Evening.
4 57 Evening.
9 54 Morning.
Sun at Noon Mark.
D. I H. M. s.
I II 57 39
9 II 59 3
17 I 12 o 43
25 ! 12 2 27
THE NEW-YORK ALMANAC
^5
A J UNIi SUNSKT,
A LADY who delighted in analyzing feelings and | did you feel, my dear man, when the cold waves
-^-*- emotions met a poor sailor who had suffered broke over you ?" He replied simply and truly :
shipwreck, and asked him, compassionately : "How | " Wet, ma'am, very wet."
i6
THE NEW-YORK ALMANAC.
DURING the month of July, 1875, the New-
York Life Insurance C(;mpany paid in-
surance pohci'es on the lives of forty-eight persons.
The whole amount paid was $135,557. The whole
amount that had been paid to the Company by
the holders of these policies was $39,442.99. The
gain to the families of the deceased was $96,034.10.
Thus they received back all the money the policies
cost, together with 243 per cent, interest on the
same.
rpRUTH is always consistent with itself, and needs
-L nothing to help it out ; it is always near at
hand, and sits upon our laps, and is ready to drop
out before we are aware ; whereas a lie is trouble-
some, sets a man's invention upon the rack, and
needs a great many more to make it good.
HABIT is a cable : every day we weave a thread,
and soon we cannot break it.
"AT OUNG men who see the straitened circumstances
-L in which wives and children are sometimes
left by the death of the husband and father, or
v/ho observe the economy which those are obliged to
practice who lay up sufficient for their families be-
fore the latter need it, are not infrequently deterred
from marrying until late in life. The wiser way is
to insure one's life, get a little money ahead, and
then marry and enjoy life as you go along. The
man who divides up his life, saying, " In this
part I will work hard and get a fortune, and
in this I will enjoy myself," makes a great
mistake.
A BOY fell into a stream, and seeing a man upon
the bank, he called imploringly to him for
help. The benevolent gentleman commenced
reproving the lad for getting into the water, and
giving the boy some good advice. But the boy
said, " Help me out and then advise me."
<^Tf-lf-!f-i} 'V^TTT'V^
«efafnti) jmontf).
Ig^AAAAAAAJtAA.^
^5>
-lf~ifTfTf-ifTi^Tf-if-tf-if-lf'Tf-iflf~lf-iflflfl,fTf-2}i
JULY, 1876.
^"^'
r 2ri)irtB:one fflans. JS
23
24
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
'J'ues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
;S
Mon
calendar for
Boston, N ew Knhland,
New York State, Michigan
Wisconsin, Iowa and
Oregon.
H. M
7 10
8 7
9 o
951
10 40
11 25
morn
8
47
2 44
3 23
4 4
4 53
5 49
6 50
8 I
9 13
10 20
11 22
ev.i2
I 3
1 47
2 30
3 12
3SS
4 43
5 3^
636
736
Sun
Sun
Moon
Rises
Sets
Sets
H.M.
H. M.
H. M.
42s
740
40
4 26
740
I 16
4 27
740
I 32
427
7 39
2 19
4 28
7 39
3 4
4 29
7 39
nses
4 29
7 39
845
4 30
7,8
9 12 1
4 31
7 3»
936 1
432
7 3»
9 56
4 33
7 37
10 lO
4 33
7 37
1037 1
4 34
7 3(^
10 56
4 35
7 36
II 21
436
7 35
II 51
4 37
7 34
morn
4 37
7 34
29
4 3«
7 33
I 15
4 39
7 32
2 T7
440
732
sets
441
731
8 16
442
730
848
.443
7 29
915
4 44
7 28
9 37
4 45
727
958 i
446
72b
10 24 ;
4 47
725
10 40 '
448
7 24
II 8 1
4 49
723
II 39
4 50
7 22
morn
4 SI
7 21
IS 1
calendar for
N.Y. City. Philadelphia.
CONNECTICDT. NeW.IbRSBV
Pennsylvania, Illinois,
Ohio and Indiana.
calendar for
Virginia, Wash ,
Maryl'd, Kentoc"y
Missouri and
California .
SnN
SnN
Moon
Risks
Sets
Sets
H. M.
H. M.
H. M.
432
7 35
44
432
7 35
I 10
4 33
7 34
I 39
4 33
7 34
2 24
4 34
7 34
3 13
4 35
7 34
nses
4 35
7 33
839
436
7 33
9 8
4 37
7 33
9 33
4 37
732
9 54
438
732
10 15
4 39
7 31
1038
4 39
731
1058
440
730
11 24
441
730
II 57
442
729
morn
4 43
729
33
4 44
728
I 22
4 44
727
2 25
4 45
7 26
sets
446
7 26
8 II
4 47
725
845
448
7 24
9 13
448
723
9 37
4 49
723
10 0
4 so
7 22
10 30
451
721
1043
4 52
7 20
II 13
4 53
7 19
"45
4 54
718
morn
4 55
717
22
H. M.
358
4 51
5 45
637
7 24
8 12
853
9 33
10 II
10 48
11 26
ev. 8
SI
1 40
2 35
3 3(>
446
5 59
7 6
9 47
10
31
II
13
II
57
morn
41
I
30
2
22
3
22
4
21
Sun
^IJN
Rises
Sets
H. M.
H. M.
438
729
438
729
4 39
729
4 39*
728
4 40
728
441
728
441
728
4 42
7 27
442
7 27
4 43
727
4 44
7 26
4 44
726
4 4S
7 26
446
725
446
724
4 47
724
448
723
4 49
7 23
4 50
7 22
451
7 21
4 52
7 21
4 52
7 20
4 53
7 19
4 54
718
4 55
718
4Sb
7 '7
4 57
71b
458
7 IS
4.S8
7 14
4 59
7 13
4 59
712
Moon
Sets
calendar for
Cha'ston, N. Carolina.
Tenn., Georgia, Alabama,
Mississippi and
Louisiana.
Sun
Moo.«j
Sets
Sets
H. M.
H. M.
7 12
I I
7 12
I 33
7 12
2 6 (
7 II
2 53
711
342
711
rises
7 11
8 16
7 II
849
711
9 19
710
9 45
7 10
10 12
7 10
10 40
7 9
II 6
7 9
II 38
7 9
mom
7 8
14
7 8
I 0
7 7
I 51
7 7
2 55
7 b
sets 1
7 6
752
7 5
831
7 5
9 6
7 4
936
7 -4
10 5
7 .^
10 40
7 2
10 59
7 I
II 34 1
7 I
morn ;
7 0
10 ]
6 59
SO '
3 10
4 7
5 °
5 SI
6 40
7 25
8 8
847
927
10 6
1044
11 23
morn
4
S3
1 49
2 50
4
5 13
6 20'
7 22
8 12
9 3
9 47
10 30
11 12
II 55
ev.43 ,
1 36
2 36
3 36
Moon's Phases.
D.
Full Moon,
6
Last Quarter,
14
New Moon,
20
First Quarter,
27
10 54 Morning.
9 12 Morning.
o 9 Morning.
10 35 Evening.
New-York.
10 42 Morning.
9 o Morning.
11 57 Evening.
10 23 Evening.
Washington.
10 30 Morning.
8 48 Morning.
11 45 Evening.
10 II Evening
Charleston.
H. M,
10 18 Morning.
8 36 Morning.
11 33 Evening.
9 59 Evening.
Sun at Noon Mark.
5 54
6 IS
THE NEW-YORK ALMANAC.
MEN insure their houses, though if the houses
should burn thty could in time build others;
ought they not, then, to insure their lives, which,
once lost, cannot be restored? They insure their
houses because otherwise a loss might fall on them-
selves. Ought they not, then, to insure their lives,
when the loss, if there should be any, would fall
upon their families f Men complain that the cost
of life insurance is greater than that of fire insur-
ance, but they should remember that it is so
because the hazard is greater, and hence there is
so much the more imperative reason for insuring.
rnHE man who is insured does not need to pinch
J- his family in order to lay up money, lest they
be left penniless by his death. If he dies, his policy
provides for them ; if he lives, he can provide for
them himself. So he and his family enjoy life as
they go along, instead of being slaves to the fear of i
I future want. '
LIFE is made up of little things. He who travels
over a continent must go step by step. He
who writes a book must do it sentence by sen-
tence. He who learns a science must master it
fact by fact, and principle after principle. What is
the happiness of our life made up of? Little courte-
sies, little kindnesses, pleasant words, genial smiles,
a friendly letter, good wishes, and good deeds.
One in a million, once in a life-time, may do a he-
roic action. But the little things that make up our
life come every day and every hour.
TDE warned against a common delusion. Many
J-^ say, when times are hard, "I shall let this
policy lapse, and take out another by and by. But
playing fast and loose with life insurance is highly
dangerous. The insurance is now effected ; here-
after it may be utterly impossible. Do not let it lapse.
If you do, it is almost certain that you will, at some
time or other, greatly lament that you have done so.
iaigfjtfj iWonft).
? AUGUST, 1876.
^ tCflirtjitOUE Bans. ^
calbndak for
Boston, New Kn(;land,
NewYoukWiate,. Michigan
Wisconsin, Iowa and
Okkgon.
Sun j Son Moon H. W.
Rises , Sets Sbts Bost.
I 55
255
.4 ^
rises
8 2
8 23
8 41
9 I
9 24
9 50
10 24
11 6
II 59
calendar for
NY. t'lTY. I'HILADELPHIA,
CONNEUTICTT. New.IkKSEV
Pennsylvania, Illinois,
Ohio and Indiana.
Sun
N. V.
834
9 29
10 19
" 5
11 46
morn
21
I o
1 34
2 10
248
3 32
4 23
5 26
4 S6
4 57
458
459
5 o
5 I
5 2
5 3
5 4
morn
638
5 10
I 8
7 54
5 II
2 29
9 7
S 12
348
10 II
5 13
sets
II 7 [
S 14
7,38
II .53
5 15
8 0
ev35
5 10
821
I S
5 17
844
ISO
5 17
9 8
237
518
9 39
3 20
519
10 II
4 7
5 zo
1053
5 2
521
II 45
6 4
522
morn
7 6
523
53
8 8
5 24
I 50
9 3
5 25
Sun
Moon
Sets
Sets
H. M.
H. M. 1
716
I 8
714
2 0
713
3 I
7 12
4 7
7 II
rises
710
8 0
7 9
8 22
7 7
841
7 6
9 2
7 5
9 26
7 4
9 54
7 2
10 29
7 I
II 13
7 0
morn
658
7
t>57
I IS
f55
235
054
3 53
bS3
sets
b5i
7 37
6 50
8 0
648
823
647
847 '.
<'45
913 1
644
941 I
6 42
10 18 1
641
II I
639
II 53
637
morn
636
54
6 34
156
5 19
615
7 5
748 I
8 27
9 7
944
10 19
I! 2
11 32
evi8
1 10
2 12 I
3 24
4 39
552 ,
657
7 50
836
9 22
10 I
1038
11 19
morn
5
54
1 49
2 50
3 51
4 53
548
calendar for
Virginia. Wash.,
.Maryl'd, Kentuc'y
Missouri and
California.
\
calendar for
Cha'ston, N. Carolina.
Tenn., Georgia, .Alabama,
Mississippi and
Louisiana.
Sun
Sun
Moon
Rises
Sets
Sets
H. M.
H.M.
H. M.
5 0
7 II
I 15
5 I
7 10
2 9
5 2
7 9
3 8
5 3
7 8
412
5 4
7 7
nses
5 5
7 (^
7 57
5 b
7 5
821
5 f
7 4
841
5 7
7 2
9 4
5 8
7 I
9 29
5 9
7 0
958
5 10
659
103s
5 II
bS8
II 20
5 12
656
mom
513
654
14
5 14
b53
I 22
5 15
6 52
2 42
5 16
651
3.5«
S17
6 50
sets
5 17
648
736
5 18
647
8 I
5 19
045
82s
5 20
644
851
521
643
917
S 22
b4i
9 50
5 23
6 40
10 26
5 24
O38
II 8
5 25
637
12 0
5 26
6 35
morn
52b
634
57
5 27
6 32
2 2
Boston.
I 54 Morning.
5 15 Evening.
7 42 Morning.
I 34 Evening.
New-Yokk.
H. M.
I 42 Morning.
5 3 Evening.
7 30 Morning.
I 22 Evening.
Washington.
I 30 Morning.
•t SI Evening.
7 ]8 Morning.
I 10 Evening.
Charleston.
H. M.
I 18 Morning.
4 39 Evening.
7 6 Morning,
o 58 Evening.
Son at Noon Mark.
M. s.
6 2
5 la
3 43
42
THE NEW-YORK ALMANAC.
19
T\URiNG the month of August, 1875, the New- [ holders of these policies was ^49 287.26. The gain
-L-' York Life Insurance Company paid I to the families of the deceased was ^112,139.74.
P^ 1
insurance on the lives of thirty-five persons. The Thus they received back all the money the policies
whole amount paid was $161,427. The whole cost, together with 227 per cent, interest on the
amount that had been paid to the Company by the ' same.
THE NEW-YORK ALMANAC.
CHILDREN come helpless into the world, and
parents are under the most solemn obligations
to provide for them until they can provide for
themselves. It is a shame and a disgrace for a
man to have children born unto him that he has
no means of supporting. And as death may at any
time deprive him of the opportunity to labor for
their support, he ought either to earn enough for it
beforehand or to insure his life for their benefit.
Who is more blameworthy than he who, by neglect
or thoughtlessness, robs infancy of loving care and
youth of opportunities for mental and moral cul-
ture, which can never be regained?
rpHE habit of faltering, and distinguishing, and
J- concealing, and putting forward the edge of a
truth, instead of showing boldly the full face of it,
at last leads men into an insincerity so habitual,
that they really do not know whether they speak
the truth or not. — Cardinal Manning.
jiT^ELAYS are dangerous," says the proverb,
-L' and it is emphatically true in the matter of
life insurance. If a building does not burn during
the year for which it is insured, there is usually no
deterioration in the risk, and it can be insured
again at the same rates. Not so with life. A man
is constantly nearing the time when he will be un-
insurable. That time may be when he dies, or it
may be sooner. It may be years distant, or it
may not be a week or a day. " Accidents will hap-
pen," as the saying is, in the best of families, and
so they will happen to the most prudent of men.
More than that, the older a man is when he takes
out his policy, the more he must pay to obtain the
same amount of insurance. If a man is insurable,
the sooner he insures the better.
A
HELPING word to one in trouble is often like
tween wreck and a smooth-rolling prosperity.
5jgv ^.rv"^ w'T wy
Nintf) JHontf). ^
1 A j'KA J^AAAitAJ^
S SEPTEMBER, 1876. ^^i
AAAAA-ft AAAAJtA fLJtiiJi-%
{* Srijirtn ©ass.
^i-LitfLAi'L^'Lj
IP. A
► 245
[346
247
248
249
250
251
252
i'J 253
254
255 II
256 I 12
257
258
,., 259
III 260
261
2C2
263 19
264 [ 20
265 21
266 I 22
267' 23
268 24
270 26
271 27
272 28
273' 29
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
calendar for
Boston, New En(;land,
NewYork State, Michigan
Wisconsin, Iowa and
Oregon.
Sun
SCN
Moon
H. W.
Sun
Rises
Sets
H. M.
Sets
BOST.
H. M
Rises
H. M.
H. M.
H. M.
524
6.35
255
9 52
5 26
S 26
633
4 0
1035
5 27
527
b32
rises
II 19
S2b
528
6 30
648
II 50
5 29
529
628
7 S
morn
530
5 30
626
728
24
531
5 31
6 25
7 54
I I
532
532
6 23
824
I 40
5 33
5 33
621
9 4
2 24
5 34
5 35
6 19
951
3 12
5 35
5.3b
617
10 52
4 9
53b
.5 37
tJiS
morn
517
5 37
53a
bi4
6
633
53a
5 39
612
I 25
750
1 5 39
540
6 lo
243
a, 57
540
541
6 8
35a
10 3
541
542
6 6
sets
10 42
542
5 43
b 5
6 22
II 24
5 43
5 44
6 3
039
ev. 3
5 44
5 45
6 I
7 9
43
5 45
5 46
6 0
7 37
I 24
' 54b
5 47
55a
8 14
2 7
5 47
5 4«
55b
848
2 50
S4»
5 50
5 55
9 37
3 39
5 49
5 51
5 53
10 32
4 35
5 50
552
551
II 36
5 33
1 551
5 53
5 49
mom
636
i 5 52
5 54
5 47
41
7 34
1 5 53
5 55
546
14a
827
5 54
55b
5 44
2 51
914
1 5 54
calendar for
NY ("iTY. Philadelphia,
Connecticut, New.Iersey
1'ennsvlvania, Illinois,
Ohio and Indiana.
H. W.
N.T.
Sun
Moon
Sets
Sets
H.M.
H. M.
633
3 0
f 31
4 4
6 29
rises
628
648
62C
7 8
6 25
731
623
7.5a
621
8 29
6 20
9 II
6 18
958
6 16
II 0
615
morn
613
12
6 II
I 30
6 9
247
6 8
4 0
6 6
sets
6 4
6 22
6 3
641
6 I
713
5 59
742
558
819
556
854
S 54
945
5 53
1039
5 52
II 42
550
morn
548
46
546
I 52
5 44
2 54
638
7 20
7 57
833
9 13
9 47
10 24
11 7
" 57
ev56
2 3
318
4 35
5 42
639
7 26
8 7
848
9 39
10 10
1049
11 37
mom
25
1 22
2 ig
3 22
4 19
5 12
6 o
calendar for
Virginia, Wash,,
Maryl'd, Kentuc't
MissdURi and
California.
Sun
Sun
Rises
Sets
H. M.
H.M.
528
6 31
529
629
5 30
6 28
531
626
532
6 25
5 33
6 23
5 34
6 22
5 35
6 21
5 35
6 20
5, 3b
6 18
5 37
617
5.38
615
5 39
614
540
6 12
5 4'
6 10
542
6 9
5 43
6 7
5 44
6 6
5 44
6 4
5 45
6 2
546
6 I
5 47
5 59
548
558
5 49
55b
5 50
5 54
5 51
5 53
552
5 51
5 53
5 50
5 54
54a
5 55
546
Moon
Sets
3 5
4 7
rises
647
7 9
7 33
8 -2
835
9 17
10 6
11 7
morn
29
1 3b
2 51
4 3
sets
6 24
644
7 17
7 47
825
9 2
9 52
1047
II 59
morn
52
156
2 57
calendar for
Cha'ston, N. Carolina, '
Tknn., Georgia. Alabama.
Mississippi and
Louisiana.
Sun
Sun
Moon
Rises
Sets
Sets
H. M.
H. M.
H. M.
5 34
6 25
3 19
5 35
6 24
418
5 35
6 22
rises
5.36
6 21
6 46
5 37
6 20
7 12
5 37
6 19
741
53a
617
8 14
5 39
61O
851
539
bi5
9 37
540
613
1028
541
6 12
II 30
541
6 11
morn
542
6 9
40
543
6 8
I 52
5 43
6 7
3 4
5 44
6 5
4 10
5 45
6 4
sets
5 45
6 2
628
546
6 I
6 52
54b
6 0
730
5 47
55a
a 3
54a
5 57
843
54a
5 56
924
5 49
5 54
ID IS
5 50
5 53
II 8
5 50
5 52
morn
5 51
550
8
5 52
5 49
I 8
5 52
5 48
2 8
5 53
546
3 5
Moon's Phases.
Full Moon,
jl I.3st Quarter,
IP New Moon,
ll) First Quarter,
Boston.
H. M.
4 29 Evening.
II 37 Evening.
5 10 Evening.
7 19 Morning.
New-York.
H. M.
4 17 Evening.
II 25 Evening.
4 58 Evening.
7 7 Morning.
Washington.
H M.
4 5 Evening.
II 13 Evening.
4 46 Evening.
6 55 Morning.
Charleston.
H. M.
3 53 Evening.
II I Evening.
4 34 Evening.
6 43 Morning.
H. W.
C'ton ,
5 52
6 35
7 15
7 5°
8 24
9 I
940
10 24
I! 12
mom
9
I 17
233
3 50
4 57
6 3
6 42
7 24
8 3
843
9 24
10 7
10 50
11 39
ev 35
1 33
2 36
3 34
4 27
5 14
Run at Noon Mark.
D. H. M. s.
1 I II 59 38
9 1 II 5b 58
17 1 II 54 10
25 1 II 51 24
THE NEW-YORK ALMANAC,
Pretty Poll.
-J- IBEKAL dealinij is better than almsgiving; for i -pF others act as tempters, and thus put themselves
i^ it tends to prevent pauperism, which is better [ jL in the place of the devil and do his work, do not
j you repeat the part of our first parents by yielding
than to relieve it.
THE NEW-YORK ALMANAC.
rj^HERE is no antagonism between life insurance
-L and savings banks. The two systems of lay-
ing aside money are radically different. Life com-
panies would be the gainers if every jDolicy-holder
kept a savings bank account. But the bank can-
not take the place nor do the work of the insur-
ance company, since the latter provides against
poverty during the time in which a man is earning
money to put in the bank. Of course, if a man
dies before he earns more than his first deposit, he
only leaves his first deposit to his family, but, if he
dies ever so soon after making his first payment on
a life policy, his family receive the whole amount of
the policy— an amount often equal to the savings
of many years.
LIKE an earthen pot, a bad man is easily broken,
and cannot be easily restored to his former
situation ; but a virtuous man, like a vase of gold,
is broken with difficulty, and easily repaired.
J7\OR saiety, economy, and liberal dealing, the
New-York Life Insurance Company
holds a high and well-merited position among the
companies of the world. The officers are well and
favorably known in this community. Mr. Frank-
lin, the President, has long held an honorable
place in the commercial world, and Mr. Beers,
the Vice-President and Actuary, has few equals in
the science of insurance computations and plans. —
iV. F. Evening Post.
LDLENESS is the dead sea that swallows up all
virtues, and the self-made sepulcher of a living
man. The idle man is the devil's urchin, whose
livery is rags, and whose diet and wages are famine
and disease. As Satan selects his disciples when
they are idle, so our Savior chose his while they
were busy at their trade, either mending their nets
or casting them into the sea. Nay, he himself
stooped to a trade, and was a carpenter.
,. Erntlj iHontI). ^
r *>'
^A.i
OCTOBER, 1876.
calendar for
Boston, New Kn(;land,
NewVokk State, JIicHiGAN
Wisconsin. Iowa and
Okbgon.
calendar FOlt CALENDAR FOR
NY. City. Philadelphia Virginia, Wash .
Connecticct, New .Jersey |1 Maryl'd, Kentuc'y
Pennsylvania, Illinois, ! Missouri and
Ohio and Indiana. I California
Etiirti)=onc Bags. ''j\\
<A.^A.AAAAAA ft,"
calendar for
Cha'.ston, N. Carolina.
Tenn., Georgia, Alabama. {
Mississippi and
Louisiana.
Sun
Sun
Moox
H. W.
Rises
Sets
Sets
C'ton
H. M.
H. M.
H. M.
II. M.
5 54
5 45
4 4
5 57
5 54
5 44
5 4
639
S5.S
542
rises
718
.SSb
541
615
756
5 57
540
6 50
8 34
5 57
5 39
7 34
9 20
5 5»
5 37
82s
10 10
5 59
5 3<^
9 24
" 3
6 o
5 35
10 ?9
morn
6 o
5 33
11 42
7
6 I
5 32
morn
1 16
6 2
53t
51
2 27
6 2
530
I 59
3 35
f ,3
529
3 3
4 33
b 4
527
4 «
5 24
6 S
5 26
5 10
G 10
6 5
5 25
sets
053
6 6
5 24
5 59
732
6 7
523
637
8 12
6 8
5 22
71b
856
6 q
5 21
a 5
9 39
0 g
5 19
858
10 27
6 lo
■iiS
10 5
II 15
6 11
5 17
10 56
ev. s
C 12
516
II 56
50
bi^
5 15
morn
I 54
613
514
54
248
6 14
5 '3
I 51
340
6 15
5 12
248
4 29
616
5 "
34a
5 15
bi7
5 10
4 47
5 59
5 36 Mombg.
5 o Morning.
4 37 Morning.
2 34 Morning.
Sun at Noon Mark.
M. S.
49 25
47 5
45 16
44 5
■■■i
THE NEW-YORK ALMANAC
A BEAUTIFUL answer Was given by a little Scotch
-'--*- girl. When her class at school was examined,
she replied to the question, "What is patience?"
" Wait a wee, and dinna wearv."
A N Endowment Policy does more than to insure
-^-^ one's family against want in case of his
early death ; it insures him against want in case
he lives to old age.
THE NEW-YORK ALMANAC
G^ EORGE Gary Eggleston says he once knew
"T of a man who, for a whole year, put every ten
cent note he received (when he only received one
at a time) into a tin box. At the end of a year he
had more than enough to pay two years' premiums
on a Life Insurance Policy for ip5,ooo. And yet
the man said he had not missed what he thus put
away.
AS a whole, life insurance is better managed
than any other great interest in the country.
Occasionally a small company overshoots the mark
in the endeavor to obtain business. The mistake
of returning to policy-holders more money, or of
granting them more liberal indulgences than the
company could afford, has sometimes been made.
But in these cases the public has rarely been the
chief sufferer. Great thefts and defalcations, such
as occur in other business, are in life insurance
almost unknown. — A'. Y. Tribune.
IF a man would make instant and sure provision
for his family, in case of his own death during
that long period in which he will be struggling for
competence or fortune ; if he would do his whole
duty to his family by reducing to the minimum the
possibility of their becoming objects of charity ; if
he would make sure that no neglect of his shall
prove a life-long burden to them ; if he would gain
the confidence of business men by acting upon tlie
most careful business principles ; if he would enjoy
life as he goes along and enable his family to do
the same ; if he would prepare for old age without
pinching any one in his earlier years, but, on the
contrary, by increasing the blessings of himself
and family during a whole life-time, — if any one
would do all these things at a stroke, let him take
an Endowment Insurance Policy ; and if he would
do it without fail, and at the least expense and
largest return to himself, let him secure his policy
at once.
.Ii* ISlfbfntf) JHontf). ^
NOVEMBER, 1876.
'^A^fijLjtfL^±A,A,A^.^J^^AAJtA,AJijLjtfL.Jt%
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306
307
308
ll 309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
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Wed
2
Thur
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Fri
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Sat
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;a
6
Mon
7
1 ues
8
Wed
Q
Thur
10
Fri
II
Sat
12
.s
13
Won
14
Tues
IS
Wed
16
Thur
17
Fri
18
Sat
19
;S
20
Mon
21
Tues
22
Wed
23
Thur
24
Fri
2S
Sat
26
S
27
Mon
28
Tues
2q
Wed
30
Thur
CALENDAR FOR 1
Boston, New IiN(iLAND,
NewYork State, Michigan
Wisconsin, Iowa and
Oregon. I
Moon H. W.
Rises Sets Rises Bost.
6 33
6 34
636
6 37
638
639
5 41
6 42
643
644
646
647
648
649
651
6 52
^^
054
656
657
6 58
659
7 o
7 2
7 3
7 4
7 5
7 6
7 7
Son
Sets
H. M.
4 54
4 53
4 51
4 50
4 49
448
4 47
4 44
4 43
4 43
442
441
440
4 39
4 39
438
4 37
436
4 35
4 34
4 34
4 33
432
432
4 3'
4 31
430
430
4 30
429
H. M.
rises
5 2
5 44
637
7 45
9 2
10 19
11 33
morn
46
156
3 4
4 12
5 23
sets
4 39
5 21
6 10
7 9
8 14
9 19
10 22
11 25
morn
28
1 32
2 37
3 45
458
615
H. M.
10 46
11 31
morn
17
1 10
2 7
7 59
851
938
10 23
11 6
II so
ev.34
1 19
2 6
249
3 35
421
5 9
556
647
7 39
831
CALENDAR FOR
N.Y. City. Philadelphia.
Connecticut, New Jersey
Pennsylvania, Illinois,
Ohio and Indiana.
Sun
Sun
Moon
H. W.
Rises
Sets
Rises
N.Y.
H. M.
H. M.
H. M.
H. M.
6 30
4 57
rises
730
631
4 56
5 8
8 14
6 32
4 54
5 50
9 3
634
4 53
645
956
b35
452
7 52
1049
636
451
9 8
11 48
637
450
10 '24
ev 50
6 38
4 49
II 36
I 53
6 40
448
morn
2 53
6 41
4 47
48
3 50
6 42
4 4t'
I 57
4 43
643
4 45
3 4
53b
044
4 44
412
034
646
4 43
519
7 9
647
442
sets
748
C48
441
448
833
649
440
528
921
6 50
4 39
6 19
10 5
b.Si
4 39
716
1048
t>53
438
8 20
II 33
0 54
438
9 24
morn
bSS
4 37
10 26
21
65b
4.36
II 27
I 8
6 ^7
43b
morn
2 5
658
4 35
30
2 42
659
4 35
132
3 33
7 °
4 35
2 36
4 24
7 2
4 34
3 43
51b
7 3
4 34
4 54
b 9
7 4
4 34
0 9
7 4
calendar for
Virginia, Wash.,
Maryl'd, Kentucky
Missouri and
California.
Sun Sun Moon
Rises
6 27
628
6 29
6 31
6 32
633
634
635
636
637
638
639
6 40
6 41
643
644
6 45
646
647
648
649
6 50
651
6 52
6 53
65s
65b
6 57
658
6 59
Sun
Sets
H.M.
5 0
4 59
458
4 57
456
4 55
4 54
4 53
452
451
450
4 49
448
4 47
4 47
446
4 45
4 44
4 44
4 43
4 43
442
442
441
440
440
440
440
4 39 1
4 39
H. M.
rises
5 13
5 57
653
8 o
915
10 29
11 40
morn
50
I 57
3 3
4 9
516
sets
4 52
5 35
b 27
723
826
9 29 I
10 29 I
11 30 I
morn i
31 I
1 32 I
2 34
calendar for
Cha'ston, N. Carolina.
Tenn., Georgia, Alabama,
Mississippi and '
Louisiana.
H. M.
6 18
6 19
6 ig
6 2D
6 21
5 22
6 23
b 24
6 25
626
6 27
6 27
628
6 29
b 30
6 31
632
633
634
b35
b3b
6 37
638
638
b39
b 40
_ -,, b 41
3 40 |j b 42
4 49 6 43
6 4 H 644
Sun
Moon
Sets
Rises
H. M.
h. m.
5 9
rises
It
5 30
b i3
ll
715
821
5 5
9 33
5 4
1044
5 4
II 50
5 3
morn
5 2
5b
5 2
I 59
5 I
3 0
5 0
4 3 1
5 °
5 5 i
4 59
sets
4 59
5 12
558
b49
A 57
7 44
4 57
845
456
9 44
45b
45b
10 41
11 37
4 55
morn
4 55
35
4 55
I 32
4 55
2 30
4 54
3 31
4 54
4 37
4 54
5 47
H. M. I
64b
731
8 17
9 10
10 7
11 3 ,
morn
3
1 7
2 7
3 5
359
451
538
b 23
7 b
750
834
919
10 6 ,
1049
11 35
ev.2i
I 9
15b
247
3 39 -
4 31
5 23
6 18
Moon's Phases.
i "•
Full Moon, I
Last Quarter, j 8
New Moon, 15
\\] First Quarter, 1 23
Boston.
H. M.
b 47 Evening,
o 33 Evening.
8 4 Evening.
II 42 Evening.
New-York.
H. M.
b 35 Evening
o 21 Evening
7 52 Evening
II 30 Evening
Washington.
H. M.
b 23 Evening.
o 9 Evening.
7 40 Evening.
II 18 Evening.
Charleston,
h. m.
6 II Evening.
II 57 Morning.
7 28 Evening.
II 6 Evening.
Sun at Noon Mark.
II 43 40
II 44 I
II 45 lb
II 47 24
THE NEW-YORK ALMANAC.
THE NEW-YORK ALMANAC.
YOUNG men sometimes neglect to insure their
lives because they have no one dependent
upon them. Let such consider what they would
do if they had property, and were about to die.
Would tliey destroy it ? Is there not some one, or
some charitable object to whom or to which they
would gladly give it ? Many young men have
parents who, though not actually dependent upon
them, yet may be dependent upon some one in a
few years ; or sisters toward whose support they
contribute. Let every such insure his life, and
make a will directing how the proceeds of his policy
shall be disposed of in case of death. The will can
be modified as the circumstances of the family
change, and be destroyed altogether when the man
comes to have a family of his own.
GOD gives food to every bird, but he does not
bring it to the nest ; in like manner he gives
us our daily bread, but by means of our daily work.
A MORTGAGE on a home never ought to be
larger than the amount of insurance on the
life of the man who owns it. A man who has a
comfortable home half paid for is fortunate. But
if he should die uninsured, and the mortgage be
foreclosed, quite likely the property would bring
under the hammer little more than enough to satisfy
the mortgage, pay costs, etc. -And so the wife and
children would lose what little had been left them.
Many homes have been lost just for want of a little
business prudence and forethought. How many
more will be lost in the same manner?
THE tears of many a disappointed and distressed
widow have fallen upon a lapsed policy, worth
nothing more than the paper composing it, but
which would have been as good as a bank-note for
the amount represented, save for that fatal slip to
pay the renewal premium when health was high
and death unlikely — Insurance Agent, London.
WtatXXW) JHontJ).
lf^AAAAAA.fe,ft-AA5j£
^ DECEMBER, 1876.
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5
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6
Wed
7
Thur
8
Fri
9
Sat
,S
II
Mon
12
Tues
13
Wed i
14
Thur
15
Fri
16
Sat
17
^ 1
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Mon 1!
19
Tues
20
Wed
21
Thur
22
Fri
2S
Sat 1
24
S
25
Mon
26
Tues 1
27
Wed
28
Thur
2Q
Fri 1
.30
Sat
31
is
calendar for
Boston, New England,
New York State, M ICH i(4A N
Wisconsin, Iowa and
Oregon.
Sun
Risks
H. M.
7 10
7 II
7 12
7 13
7 14
7 '5
716
7 17
7 18
7 19
7 20
7 21
7 22
7 23
724
7 25
7 26
7 26
7 26
727
7 27
7 28
728
7 28
729
7 29
729
729
730
7 30
730
CALENDAR FOR
N.Y. City. Philadelphia.
Connecticut, Nkw.Iersey
Pennsylvania, Illinois,
Ohio and Indiana.
Sun Moon H. W.
Sets Rises Bost.
H. M.
4 28
428
428
4 28
4 28
4 28
4 28
4 28
428
4 28
428
4 28
4 28
4 28
4 29
429
4 29
4 29
430
4 30
431
431
432
4 32
4 33
4 33
4 34
4 34
4 35
4 36
4 37
Sun
Moon
Sets
Rises
H. M.
H. M.
4 34
rises
4 33
5 35
4 33
t>5i
4 33
8 10
432
9 26
4 32
1039
432
II 50
432
morn
432
57
4 32
2 3
4 32
310
4 32
41b
4 33
523
4 33
6 21
4 33
sets
4 33
5 7
4 33
0 9
4 34
7 14
4 34
8 16
4 35
9 17
4 35
10 18
436
II 19
4 37
morn
4 37
21
4 3«
I 24
4 39
231
4 39
3 43
4 40
4 59
440
6 14
441
721
4 42
rises
7 55
853
9 49
1043
II 38
ev.33
1 27
2 20
3 14
4 7
4 59
5 52
6 42
731
815
9 I
9 45
ID 24
II 3
II 44
morn
25
1 9
2 3
2 42
3 36
438
542
645
7 45
8 43
calendar for
Virginia, Wash.,
Maryl'd, Kentuc'y
Missouri and
California.
Sun
Sun
Moon
Rises
Sets
H.M.
Rises
H. M.
H. M.
7 0
4 39
rises
7 I-
4 39
5 43
7 2
438
6.58
7 2
4.38
815
7 3
438
930
7 4
438
10 42
7 5
438
II 50
7 t.
438
morn
7 7
438
56
7 8
438
2 2
7 9
438
3 7
7 9
4 39
4 '3
7 10
4 39
517
7 II
4 39
6 24
7 12
4 39
sets
7 12
4 40
515
713
440
616
7 14
4 40
719
7 14
441
821
7 IS
441
9 20
7 15
442
10 20
71b
442
II 20
71b
4 43
morn
717
4 43
20
7 17
4 44
I 22
7 17
4 44
2 27
718
4 45
338
718
446
452
718
4 47
6 6
719
4 47
715
7 19
448
nses
calendar for
Cha'ston, N. Carolina,
Tenn., Georgia, Alabama,
MissLssippi and
Louisiana.
Sun
Rises
H. M.
645
645
646
C47
648
649
649
6 50
651
6 52
6 53
654
6 54
655
656
656
657
658
6 58
659
6 59
7 °
7 o
7 I
7 I
7 I
7 2
7 2
7 2
7 2
7 3
Sun
Moon
Sets
Rises
H. M.
H. M.
4 54
rises
4 54
0 5
4 54
718
4 54
831
4 54
942
4 54
10491
II 53'
4 54
4 54
morn
4 54
55
4 54
156
4 55
257
4 55
358
4 55
5 0
4 55
b 4
45b
sets
4,56
536
45b
635 !
4 57
735 !
4 57
833
458
929
458
1025
4 59
II 21
4 59
morn
5 0
17
5 0
I 16
5 I
2 17 1
5 2
3 23
5 2
4 34
5 3
5 45
5 4
b53
5 4
rises
1054
II 47
morn
Moon's Phases.
Full Moon,
Last Quarter,
New Nioon,
' First Quarter,
Full Moon,
6 20 Morning.
9 39 Evening.
I 30 Evening.
6 57 Evening.
5 15 Evening.
6 8 Morning.
9 27 Evening.
I 18 Evening.
6 45 Evening.
5 3 Evening.
Washington.
5 56 Morning.
9 15 Evening.
I 6 Evening.
6 33 Evening.
4 51 Evening.
Charleston.
H. M.
5 44 Morning.
9 3 Evening,
o 54 Evening.
6 21 Evening.
4 39 Evening.
Sun at Noon Mark.
THE NEW-YORK ALMANAC,
27
Christmas — Outside and Inside.
A MAN who can save but the pahry sum of
-^-^ twenty-five dollars a year can with this sum
secure a life insurance policy for ^1,000, unless he is
over thirty-five years of age. In what other way
can he secure his family against poverty in case of
his own death during the ne.xt ten years ?
28
THE NEW-YORK ALMANAC.
Every- Day Reference Matter.
POSTAGE RATES.
DOMESTIC.
The United States and the New Domin-
ion (Canada) form a single postal territory,
within which the rates are as follows :
Letters, or any matter so enclosed
that it cannot be examined without injury
to the wrapper, three cents for each half-
ounce or fraction thereof. Drop-letters, at
offices having carriers, two cents per half-
ounce or fraction thereof; at offices without
carriers, one cent. All packages contain-
ing written information are rated at letter
postage. A letter packet must not weigh
over four pounds. At least three cents
must be paid on a letter packet ; if more is
due and not paid it will be collected on de-
livery. A letter will be returned to the
writer free if a request to do so is placed on
the outside of the envelope. Letters sent
to the wrong place will be forwarded free
at the request of the person to whom they
are addressed. To register a letter packet,
prepay it fully and add ten cents in stamps
and your name and address ; this will se-
cure the return of a receipt for it. Manu-
scripts and proof-sheets, except for books,
are charged letter rates.
Postal-Cards. — There must be nothing
whatever attached to a postal-card, nor any
thing written or printed on the face except
the address. Any thing the sender desires
may be written or printed on the back, pro-
vided it is not scurrilous or indecent. Postal-
cards are not returned to the senders, nor
advertised, nor sent to the dead-letter office.
If not called for in sixty days they are
burned. Any printed card may be sent
through the mails, if prepaid at the rate of
one cent per ounce or fraction thereof, pro-
vided it contains no written matter except
the address, which, with the stamp, should
occupy one side.
All printed matter and merchandise (ex-
cept newspapers and periodicals sent to
regular subscribers, the postage on which is
paid by the publishers), also book manu-
scripts and the proof-sheets of the same,
one cent per ounce or fraction thereof.
Circulars, for local delivery by carriers, one
cent each. Postal matter of this character
must be wrapped so that its contents may
be thoroughly examined without cutting or
injuring the wrapper or cord (a sealed en-
velope with notched corners is not a proper
wrapper), and no signs or marks of any
kind may be made on the wrapper or its
contents except the address and the follow-
ing : Publishers may print the date of
expiration of subscription on wrappers, and
may inclose bills and receipts. Business
cards may be printed or pasted (if printed)
on wrappers. Samples may be numbered
to correspond with similar marks in cata-
logues, invoices or letters. Typographical
errors in circulars, etc., may be corrected
in writing, and an author may add to a
proof-sheet new matter, if for the purpose
of completing the article. A circular may
contain a written address inside, but noth-
ing else. A simple mark may be made
to call attention to an article in printed
matter.
Liquids, poisons, explosives, etc. — any-
thing liable to injure the mail-bags, their
contents, or employes of the department —
if discovered, will be thrown away.
Stamps cut from stamped envelopes are
not good, but if the whole envelope is pre-
sented, and the postmaster satisfied that it
has not been used, it will be redeemed in
stamps.
FOREIGN POSTAGE.
To England, Ireland, Scotland, Wales,
Belgium, Germany, Holland, Austria, Den-
mark, Switzerland, Italy, Russia, Norway,
Sweden, Turkey, Egypt and Cuba, letters
five cents, newspapers two cents ; France,
letters nine cents, papers three cents ;
Spain, letters twelve cents, newspapers two
cents.
To most Asiatic countries there are three
roiites, viz. : via San Francisco, via South-
ampton, and via Brindisi, and the rates by
each are given in the above order. To
Australia, letters, five, fifteen or twenty-one
cents, newspapers two, four or eight cents ;
China, letters, ten (this only to Canton,
Swatow, Amoy and Foo Chow), twenty-
seven, or thirty-three cents, papers two, four
or eight cents; Japan, letters fifteen, twen-
ty-seven or thirty-three cents, papers four,
or eight cents ; British India, letters, via
Southampton, twenty-one cents, via Brin-
THE NEW-YORK ALMANAC.
29
disi, twenty-seven cents, papers four and
eight cents respectively.
Note. — These are the rates for letter
packets not exceeding one-half ounce, and
for single newspapers not weighing over
four ounces. In the case of Cuba it is for
single papers, no matter what the weight.
Where there are several routes with differ-
ent rates, the one paid for should be placed
in the left-hand upper corner of the packet.
Foreign postal packets must contain no
article subject to customs duties.
Prepay all postage, not only because in
some cases the package will not be for-
warded unless prepaid, but because it is a
shabby thing to require a correspondent to
pay your postage. Write the address very
plainly and fully. If people only knew
how much trouble and loss would be saved
by following so simple a direction, they
would follow it, we feel sure. Put the stamp
on the right-hand upper corner, and be
sure that it adheres firmly.
TAXES AND INTEREST.
Stamp Tax. — Checks, Drafts and Orders
for the payment of any sum of money
whatsoever, drawn on any bank, banker,
or trust company, require on each docu-
ment a 2 cent Internal Revenue Stamp,
which must be put on and canceled at the
time and date of the paper. Notes, Re-
ceipts and Agreements do not require
stamping.
To Compute Interest. — First com-
pute the interest on one dollar at six per
cent., then multiply by the number of dol-
lars. The interest at any other rate may
be obtained from this by dividing by six,
which will give the rate at one per cent. ,
and multiplying by the required rate. To
find the interest on one dollar for any re-
quired time at six per cent. The interest
for the years is plainly six cents for each ;
add to this one cent for every two months,
five mills for every odd month, and one
mill for every six days. For example, the
interest on one dollar for 3 years 7 months
and 26 days is 18 cents, plus 3 cents and 5
mills, plus 4r? mills, or $ 0.21913.
Legal Rates of Interest in the
Different States in the Union. — The
legal rate of interest in the States of Me , N.
H., R. I., Ct., Vt., Del., Md., Pcnn., Va.,
N. C, Fla., Miss., Tenn., Ark., Ky., O.,
Ind. , 111. , Mo. , la. , and N. J. , is six per cent.
If agreed upon, Fla. allows 8 per cent. ; la.
10 per cent. ; N. J. 7 per cent. ; Ark. 10
per cent. 7 per cent is legal rate in Mich.,
N. Y., Minn., Wis., S. C. and Ga. ; 8 per jj
cent, in Ala. and Tex. ; 10 per cent, in ^
Cal., and only 5 per cent, in La.
ABOUT THE HOUSE.
To Relieve Asthma — Soak blotting
or tissue paper in strong saltpeter water,
dry and burn in your bedroom.
Ink-stains, if wet, may be washed out
with sour milk ; if dry, with oxalic acid, or
lemon-juice and salt.
Acid or Alkaline Stains may be
neutralized in great part by treating either
with a solution of the other. For example,
use hartshorn for acid stains, vinegar for
discolorations by lime or soap.
Burns should be dressed with a mix-
ture of one part linseed oil and two of lime
water. Until you can get this, cover with
molasses.
Grease Spots may be removed from
broad-cloth by laying on a piece of heavy
brown paper, and pressing with a hot flat-
iron. To sponge them from ordinary fab-
rics use a solution of borax (i oz.), gum-
camphor (^ oz.), and hot water (i qt.).
Keep a bottle of it in the house. For silks,
rub powdered French chalk on the wrong
side. If the spot be old, moisten the chalk
with soap-suds, let it dry, then spread on,
cover with several folds of tissue paper and
press with a hot flat-iron. Restore the lus-
ter by rubbing with the inside of a split
visiting card.
To Fix the Colors of doubtful cali-
coes, soak them fifteen minutes before
washing, in a pail of water containing a tea-
spoonful of sugar of lead.
To Keep Furs and Woolens. — Brush
or beat the dust out well, sun for a day,
shake thoroughly and fold neatly. Put up
in bundles of a convenient size, placing a
small lump of gum-camphor in the center
of each. The bundles may be pinned or
sewed up in linen or muslin with news-
papers outside, or they may be put into
loandboxes. The point is to exclude dust
and insects. Good paper bags will answer
the purpose, if you make sure there arc and
will be no holes in them. Some put black
pepper in furs. A whisky or alcohol bar-
rel, as a packing case, "makes assurance
doubly sure."
To Stop the Flow of Blood. — If an
artery has been severed, tie a handkerchief,
a suspender, or any other thing you can
procure quickly, loosely around the limb
THE NEW-YORK ALMANAC.
between the cut and the heart. Put in a
stick and twist it about until the flow of
blood stops. Send for the doctor. Ar-
terial blood may be known by its light scar-
let color, and by its flowing in an uneven,
pulsating stream. Ordinary cuts may be
bound with cobwebs and brown sugar, or
with the dust of tea-leaves. When the
flow ceases, a little laudanum may be ap-
plied. The best dressing for wounds is
usually cold water. Wash them thoroughly
two or three times a day, using Castile soap,
and keep the bandage wet.
ACCIDENTS.
The thing most needed when an accident
happens is presence of mind. As this is
something that cannot be obtained at the
drug-store, but must always be home-made,
every one should cultivate it. This may
be done by all of those processes of self-
restraint and education by which the mental
and physical powers are kept in perfect sub-
jection to the will, and the will under the
control of the judgment. A man should
aim always to do those things which his
deliberate judgment approves. " It is a
shame," says Goethe, "for men to be con-
trolled by mere inclination, like dumb
brutes. " By cultivating self-control in every-
day matters, we will be able to control all
our resources of mind and body in the hour
of peril.
By Fire.
If a lady's or child's clothing is found in a
blaze, let the nearest blanket, cloak, coat —
any thing that will smother the flames — be
wrapped about her at once. It is well for
the person whose clothing is on fire to lie
down and roll over. The fire must be
smothered. If she stands, the fire ascends
to the vital parts ; if she runs, she only fans
the flames. Water cannot be depended
upon to extinguish fire in the clothing,
because before it can be procured and ap-
plied the person would probably be fatally
burned. After the fire is smothered, the
heat of the clothing may be prevented from
causing farther mischief by getting into a
tub, barrel or cistern of water, or by pour-
ing water on the burned parts. It prevents
the burn froin becoming deep, by cooling
the body before the heat has time to act
upon the tissues of the flesh. One may
plunge his hand in boiling water with im-
punity if he thrusts it into cold water imme-
diately after.
By Water.
If a person finds himself suddenly thrown
into the water, let him draw in his breath
as much as possible, and endeavor to keep
entirely under water with the exception of
his nose. Any thing will float on water that
displaces an amount of water greater in
weight than its own. The water displaced
by any floating body is of exactly the same
weight as the body itself If the lungs are
filled with air the body is enlarged without
adding to its weight, and will float and carry
a small weight above water ; if they are filled
with water the body will sink. The weight
to be carried above water must be reduced
as much as possible in order to make sure
of the nose. Therefore the arms must be
kept under, and as the head is very heavy,
it should be thrown back so as to get a part
of it under water and keep the nose upper-
most. Keep the mouth shut, the lungs in-
flated as much as possible, and keep up a
gentle motion with the hands and feet as
though you were pulling and pushing your
way upward.
The Massachusetts Humane Society has
published the following directions for resus-
citating persons apparently dead from
drowning, which it would be well for every
one to preserve :
I. Lose no time. Carry out these directions on
the spot.
II. Remove the froth and mucus from the mouth
and nostrils.
Ill Hold the body for a few seconds only, with
the head hanging d6wn, so that the water may run
out of the lungs and windpipe.
IV. Loosen all light articles of clothing about the
neck and chest.
V. See that the tongue is pulled forward if it falls
into the throat. By taking hold of it with a hand-
kerchief it will not slip.
VI. If the breathing has ceased, or nearly so, it
must be stimulated by pressure of the chest with
the hands, in imitation of the natural breathing,
forcibly expelling the air from the lungs, and allow-
ing it to re-enter and expand them by the elasticity
of the ribs. Remember that this is the most im-
portant step of all.
To do it readily, lay the person on his back, with
a cushion, pillow, or some firm substance under
the shoulder ; then press with the fiat of the hands
over the lower part of the breast-bone and the
upper i^art of the abdomen, keeping up a regular
repetition and relaxation of pressure twenty or
thirty times a minute.
VII. Rub the limbs with the hands, or with dry
cloths, constantly, to aid the circulation and keep
the body warm.
VIII. .\s soon as the person can swallow, give a
table-spoonful of spirits in hot water, or some warm
tea or coffee.
Work deliberately. Do not give up too quickly.
Success has rewarded the efforts of hours.
THE NEW-YORK ALMANAC
31
By Poisons.
Ammonia. — Take vinegar slightly diluted
with water. The acid neutralizes the alkali.
Arsenic. — Take a table-spoonful of
ground mustard in a teacupful of water ; or
twenty grains of white vitriol in warm water
followed by large draughts of milk or sweet-
ened water. If near a drug-store, get and
take a table-spoonful of hydrated sesquioxide
of iron, dissolved in water, every five or ten
minutes until five or six doses have been
taken.
Corrosive Sublimate. — This, being a
common bed-bug poison, is often swallowed
by mistake. Take the whites of three eggs
in a glass of water every two minutes until
you can swallow no more. If you cannot
get eggs take milk, or flour and water.
Sugar of Lead. —Take ground mustard
and water for an emetic, and follow it up
with Epsom salts.
Strong Lye. — Take vinegar or oil.
Nitric, Muriatic or Sulphuric Acid.
— Take in water calcined magnesia or an
ounce of soap, or chalk, or whiting, or
plaster from the wall. These are preferable
in the order given. Take as quickly as pos-
sible, and as imich as possible.
Saltpeter. — Induce vomiting by warm
water or tickling the throat with a feather.
White Vitriol. — Same as last, and in
addition take plenty of carbonate of soda in
water.
Verdigris. — Same as for White Vitriol.
Oxalic Acid. — Take in water magnesia,
chalk, lime or saleratus.
Opium, Morphine or Laudanum. —
Take sulphate of zinc or of copper, or
ground mustard, or very strong coffee.
Tickle the throat if the emetic does not act
at once. Prevent sleep by going into the
open air or throwing water in the face, and
if the person falls asleep keep up the breath-
ing as in case of apparent death from
drowning.
Strychnine. — Same as the last, with ad-
dition of sweet milk, or whisky camphor.
In all cases of poisoning send for the doc-
tor, because though you may have antidotes
at hand, something farther is often required
to prevent serious injury to the lining of the
stomach.
THE SlClv-ROOM.
Make it as clean and pleasant as possible.
Change the bed and clothing of the patient
once a day if you can, and never leave
soiled clothes lying about any longer than
is necessary. Be sure there is no unpleasant
odor, and to this end banish all medicines,
dishes, and food except when they are in
actual use. Bring in fresh flowers or some-
thing new, every day; even the commonest
green thing is better than nothing. It is so
tiresome to follow out all the windings in the
wall-paper figure for the hundredth time,
and to feel that you canH help it.
Don't talk about anything unpleasant in
a sick-room — about how the children and
the servants make trouble, and how driven
and weary you are. Talk of something
that will lead the patient's thoughts away
from his aches and pains and leave him in
a cheerful and restful state of mind.
Follow the doctor's directions implicitly,
unless you know more than he does; in that
case discharge him at once and employ a
wiser one.
Never ask a sick person what he wants to
eat. If he asks for anything that will not
injure him get it if you can. Never bring
him much at a time. A little bit in a dainty
dish will sometimes tempt the appetite when
a large quantity would cause nausea.
Expect sick persons to be unreasonable,
after you have done all you can for them.
They will fret and complain, but do you be
as bland and smiling as a summer morning,
no matter what happens.
Beef tea of the best sort is made by put-
ting nice clean beef, cut fine, into a jar or
bottle, without water, covering tightly and
boiling the bottle. Heat gradually and boil
steadily three or four hours. Press out the
juice, skim off the grease and season.
Broth of mutton, veal or chicken. Cut
the meat small, break the bones, put on
cold water and no salt, and boil, closely
covered, until it falls to pieces. Strain, add
a little soaked barley or rice, simmer half
an hour, and put in a very little milk and
chopped parsley with the seasoning.
Oatmeal or Indian-meal gruel. Wet up
a cup of meal to a smooth paste, with cold
water and a table-spoonful of flour; stir in-
to two quarts of boiling water, while boiling.
Boil slowly half an hour, stir well, season.
Pleasant drinks may be made from almost
any tart jelly dissolved in water. A good
tart apple, boiled until it falls to pieces,
gives a delicious flavor to water. Strain the
juice carefully and sweeten. Flax-seed may
be used in the same way, using a little
lemon juice. Steep the seed three hours in
a covered vessel.
32
THE NEW-YORK ALMANAC.
The Ceijtennial Calendar,
1776.
January i. — Norfolk, Va., Destroyed by
a British Fleet. The Royal Governor,
Dunmore, having been driven to the shelter
of British men-of-war late in 1775, collected
a force of royalists, promised freedom to all
slaves who would revolt against their inas-
ters, and began to lay waste South-western
Virginia. He was opposed by minute-men
and defeated near the Dismal Swamp,
December 9th. In revenge he bombarded
Norfolk on New-Year's Day. Nearly all the
houses were burned.
The Tri-colored American Flag, not yet
spangled with stars, but showing thirteen
stripes of alternate red and white, with red
and white crosses of St. George and St.
Andrew on a blue ground in the corner, was
unfurled over the Continental army then
besieging Boston.
January 20. — The Highlanders of the
Mohawk Valley Disarmed by Gen. Schuyler.
February '27.— The Battle of Moore's
Creek. About one thousand minute-men
of Newbern, N. C, were attacked at
Moore's Creek, N. C, by fifteen or sixteen
hundred Scottish tories. The attack was
repulsed with a loss of three wounded, one
mortally. About thirty tories were killed
and wounded, and eight hundred soon
afterward captured and disarmed. A large
amount of mihtary stores and fifteen thou-
sand pounds sterling in gold were taken.
March 17. — Boston Evacuated by the
British. During the night of March 4th
Washington seized and fortified Dorchester
Heights, which commanded the town and a
large part of the harbor. The next morning
General Howe saw he must either fight or
evacuate. He first decided to fight, but a
storm delayed the assaulting party, and a
second council of war determined to evacu-
ate. Washington did not attempt a bom-
bardment because he was short of powder
and wished to spare the city, but he contin-
ued to strengthen and to extend his lines.
On the night of the i6th he gained possession
of Nook Hill, commanding Boston Neck,
and Howe began to embark his army at
four o'clock the next morning. In less than
six hours the last red-coat was on board
transports. They left an immense quantity
of military stores, which was soon after
largely increased by the arrival of British
store-ships, which, ignorant of the evacua-
tion, entered the harbor and were captured.
June 28.— The Battle of Fort Moul-
trie. Colonel William Moultrie, with four
hundred and thirty-five men, occupying a
fort which they had just built on Sullivan's
Island, Charleston harbor, was attacked by
nine British men-of-war, carrying over three
hundred guns. Moultrie's fort was built of
parallel walls of palmetto logs, the interven-
ing space being filled with sand. It mounted
thirty-one guns. The cannonade was kept
up about ten hours, when the British with-
drew. The Americans lost eleven men
killed and twenty-six wounded : the British
loss in killed and wounded was two hundred
and five. Two fifty-gun ships were nearly
destroyed, and one of twenty-eight guns got
aground and was set on fire and deserted.
South Carolina at once decreed that the post
on Sullivan's Island should thereafter be
known as Fort Moultrie.
July 4. — The United Colonies Declare
Themselves Free and Independent States.
The American colonists drew the sword in
1775, with no wish for independence. After
the battles of Lexington and Bunker Hill,
they offered such honorable conditions of
peace, that statesmen of other nations were
amazed at the folly of the British Parliament
and King in continuing the war. When,
finally, a large number of foreign troops
were hired, and the most formidable prep-
arations made for the absolute subjugation
of America, Independence became the
watch-v.'ord that united Americans in de-
fense of their liberties. North Carolina, on
the twelfth of April, 1776, empowered her
delegates in Congress to vote for it ; on the
fifteenth of May, Virginia instructed hers to
' ' propose "it, and her Declaration of Rights,
adopted June 12th, contained the same
political doctrine afterward embodied in
the great Declaration. On the seventh of
June, Richard Henry Lee introduced into
Congress the resolution of independence.
It was discussed during two whole days, and
then its farther consideration postponed
three weeks, in order that some of the dele-
gates might consult their constituents. In
order that no time might be lost, a com-
mittee, of which Jefferson was the chairman,
was appointed to draft a declaration in har-
mony with the resolution. When the res-
olution was again taken up, all the colonies
except New York, had either expressed a
desire for independence, or had left their
THE NEW-YORK ALMANAC.
33
delegates free to vote for it if they saw fit,
and on the second of July, twelve of the
thirteen colonies voted to adopt the resolu-
tion. The New-York delegation did not
vote, because the Colonial Congress had
referred the question to the people, and
their decision, though afterward unanimous
for independence, had not yet been author-
itatively announced. Jefferson's draft of
the Declaration was then taken up, and,
after careful criticism and amendment, was
adopted on the fourth, by a vote the same
as had been given for the resolution. We
give a fac-simile of the first part of the
original draft on page 17.
August 27. — The Battle of Long Island.
Over twenty thousand British and Hessian
troops, having landed at Gravesend Bay,
marched against eight thousand Americans,
about half of whom were within their
intrenched lines near the East River, while
the rest guarded the approaches. At the
same time the British fleet attempted to sail
up the Bay. Owing to General Putnam's
rashness and disobedience of orders, many
of the Americans outside the intrenchments
were surrounded. Some cut their way
through the British lines, but many were
taken prisoners. The Americans lost about
one thousand men, over two hundred being
killed and wounded. The British loss in
killed and wounded was over three hundred.
Washington did not reach the field until the
battle was lost. The British began to
intrench with the intention of besieging the
American works, and as Washington had
but few heavy guns, and there was danger
that the fleet would attack his position from
the rear, he evacuated on the night of the
29th, and crossed to New-York without the
loss of men or material.
September 16. — The Battle of Harlem
Plains. With British war vessels in both
the East and Hudson Rivers, Manhattan
Island was untenable, and on the fifteenth
of September Washington retreated to Har-
lem Heights. The next day the advance of
the British army attacked the Americans on
Harlem Plains, near what is now Manhattan-
ville. The British were repulsed in front,
and were attacked so vigorously on the flank
that they narrowly escaped capture. Their
loss in killed and wounded was two hundred
and eighty ; the Americans lost about sixty.
August 11-13. — An American Fleet
Destroyed on Lake Champlain. Eight
gondolas, three row-galleys and four schoon-
ers, manned mostly by landsmen, were at-
tacked by a British fleet of twice their
number, with more than twice their weigrht
of metal, and inanned by experienced sea-
men and artillerists. The Americans were
hemmed-in, in the bay near Valcour Island.
During the day several boats of each party
were sunk, and about sixty Americans and
forty British were killed and wounded. That
night the Americans ran the blockade, but
were overtaken on the thirteenth ; one vessel
was captured, and the remainder ran into a
creek and were set on fire and abandoned.
October 28.— The Battle of White
Plains. The two armies, about equal in
numbers, confronted each other near White
Plains. W ashington, confident of victory,
awaited an attack. Seeing the strong po-
sition of the Americans, General Howe
did not attack in force, but sent about four
thousand men to drive fourteen hundred
Americans from Chatterton Hill. The
Americans retired with a loss of eighty
prisoners and about one hundred killed and
wounded. The British loss in killed and
wounded was two hundred and twenty-nine.
November 16. — The Capture of Fort
Washington. The small garrison of Ameri-
cans was attacked at four different points by
a large force of British and Hessians. After
several hours' hard fighting, and being
closely pressed on all sides by superior
numbers, the Americans surrendered. Over
two thousand six hundred prisoners were
taken. The American loss in killed and
wounded was one hundred and forty-nine,
that of the enemy was over five hundred.
Many of the prisoners here taken died on
the infamous British prison-ships.
December 26. — Capture of the Hessians
at Trenton. On Christmas night, Wash-
ington, with 2400 men, crossed the Delaware
at Mackonkey's Ferry, pushing their way
through the floating ice, in the midst of a
terrible storm of wind and snow. They
marched to Trenton, nine miles distant,
through the storm, which had changed to
sleet and hail, surprised the Hessians under
Colonel Rail, who had done most of the
fighting during the previous summer, and
took nine hundred and forty-six prisoners,
twelve hundred small-arms, six field-pieces,
and all the standards of the brigade.
Seventeen Hessians, including their com-
mander, were killed. The Americans had
none killed, and only a few slightly
wounded. Two were frozen to death on
the return. Washington's plan included
a concerted attack on all the British posts
along the Delaware; but, on account of the
severity of the weather, and the timidity of
some of his officers, no part of the pro-
gramme was carried out except his own.
34
THE NEAA^-YORK ALMANAC.
Home Decopalioi).
THE HOUSE.
There are thousands of families all over
the land who have but little money to
expend in decorating their homes. The
old question, " What shall we eat, and
what shall we drink, and wherewithal
shall we be clothed ? " presses with more
or less intensity from year to year. The
children are growing up — so many hun-
gry mouths to fill, so many busy feet to
keep shod, and so many restless bodies
to be clothed ! And then there are
school-bills and taxes, and doctors' bills
and medicine, and the thousand and one
draughts on the pocket for things which
must be had. And so it often happens
that necessities so drive and grind men
and women during the first twenty years
of married life, that they do not feel able
to beautify their homes until they have
lost most of the taste they once had for
the beautiful, and their children have
already grown up without its ennobling
influence. This chapter is written in the
hope that it may be helpful not only to
such, but to all who are not able to expend
half as much in decorating their homes as
they would like.
There are four respects in which a room
may be decorated : By what is put about
the windows, by what is put on the walls,
and by \s\\?X furniture '\% placed in it, and
by what is put on the Jloor. The decora-
tions in each of these departments ought
to be kept as nearly in harmony as possible,
but if anything must be slighted let it be
the floor,
THE WINDOWS.
Paper shades may be obtained verj-
cheap. Get as flexible paper as you can,
fold the top ov-er a flat stick and sew it
down. Fasten up in such a way that they
can be put up and taken down easily after-
ward, without driving or drawing nails.
The bottom of the shade should be looped
over and sewed down, and a round stick
slipped in to keep the shade straight and
make it roll well. Roll from the bottom
and fasten with candle wicking passed over
the top. Two strings are better than one.
Cloth shades, made of bleached muslin,
are neat and not expensive. They can be
washed as often as necessary, and with a
little care in doing up be kept looking nearly
as well as when new. "Hollands" cost
about thirty-five cents a yard, white ; five
cents more if colored. Painted muslin may
be had from one dollar a window upward,
according to size and amount of decoration.
Judd's fixtures are the best, as they do not
get out of order nor injure the casing. They
cost twenty-five cents a window. Muslin
curtains, which can be bought for from
thirty to fifty cents per yard, do much to
furnish a room, but generally one needs to
have something else behind them. Placed
over cloth curtains they look nicely.
If you use a cornice, put it up as follows:
Take a half inch board, four inches wide
and as long as your window-frame is wide.
Plane it smooth and saw the ends bevel,
taking off an inch from the front side.
Along the front edge and both ends tack
white cotton tape. Nail the board to the
top of the window-frame, and pin your
curtains to the tape, gathering as you go.
Your cornice should be all in one piece, or
fastened to a single strip of wood and held
to its place by two screws with ring heads,
slipped over shingle nails previously driven
in the boards near the edge. When this is
once done, the "women folks" can take
down the curtains and put them up without
trouble and without a hammer. By tight-
ening the screws a little the cornices will
remain in position when the curtains are
down. Never iron muslin curtains. Wash
and starch them, and pin down to a clean
carpet to dry. You can get them straighter
in this way and with less trouble.
THE WALLS.
If they are white and smooth and free
from cracks, better let them go unpapered
a while than have no pictures to relieve
their barrenness. Pictures should be chosen
with care. The art of chromo-lithography —
that is, of printing pictures in colors from
stone — places within the reach of persons of
very moderate means excellent copies of the
famous pictures of the world. But there
are cart-loads of chromos that are only
botches. It is difficult to tell one who is
not a judge of pictures how to tell which
are good, but some makers' names are a
guaranty that the workmanship is good,
and one can please himself as to subject.
THE NEW-YORK ALMANAC.
One is always safe in buying any of Prang's
chromos. Some of those furnished by news-
papers to subscribers are good, but there is
a drawback to the pleasure they give, as
one is apt to see them in so many places.
Engravings, while they lack the warmth
and color of chromos, have a chasteness
and elegance peculiar to themselves ; and
as many of the most famous painters of
the world were also engravers, one who
buys and loves engravings is introduced at
once to a goodly company of the great.
With a little study one may learn to distin-
guish good engravings. An Encyclopedia,
or even a large dictionary, will give you a
good deal of information. The "Wonders
of Engraving," published by the Scribners
at a dollar and a-half, would be a delight
and a means of education to the whole
family. By all means avoid cheap prints in
colors, and the cut and dried " oil paint-
ings" which can be bought for a mere song.
They are only rubbish, and vitiate the taste
for better things. Remember a good oil
painting of any size cannot be bought cheap.
There are two considerations in buying
pictures. One is to get good workmanship,
another is to get a pleasing subject. Some
pictures are valuable because of their origin,
scarcity, or place in the history of art, which
are worth very little to nine persons in ten.
An engraving by one of the great masters,
worth ten or fifteen dollars, may be a hideous
affair — some monster of fable, or some ex-
pression of passion which children should
never look upon. Buy, chen, pictures of
good workmanship, and pictures that are
pleasant to look upon. Especially buy
those which appeal to the nobler instincts.
Such pictures preach silent but powerful
sermons in a family of growing children.
If one cannot afford to buy frames, they
can be made by any one who has a few
tools and a little ingenuity. A boy who can
make a kite can make a picture-frame.
The simplest sort may be made of flat strips
of pine — sawed lath, for example — the front
sides and the edges being whittled smooth.
The more ridges and furrows left by the knife
the better. Cut the ends ragged to resem-
ble a broken end, and fasten at the corners
with a single nail with a brass head, or with
several brads. This, when varnished, will
be a rich yellow. If you want the opening
for the picture oval, mark the pattern on a
wide shingle and cut it out with a knife.
From simple beginnings of this sort one
can go on to perfection. Dress the pieces
with a plane, and trace black parallel lines
on them; saw out a "mat" from a half-
inch board, having the opening either oval
or eight-sided ; make the sides of rough
round sticks, and glue acorns, mosses,
cones or shells in the corners, etc. Always
let the ends project beyond the corners.
Engravings should be protected from dust
by a glass. A good chromo can be washed.
But don't use soap on it or rub it too hard.
Buff-colored wall-paper will look sunshiny
in the day-time, and will light up brilliantly
in the evening. If the room is to be used as
a living-room, you may want a pretty dark
shade or a figure that will not show every
speck of dirt. Use a narrow border, espec-
ially if your ceiling is low, and in this case
also a narrow striped pattern for the paper.
"The men folks " sometimes paint the
walls, but with not the best results. The
surface is left so glassy that it looks as if a
fly would not be able to walk on it, but he
is. Moreover, every imperfection shows
itself, and the shining surface is everywhere
broken by cracks. To avoid this, mix your
paint for the last coat chiefly with turpen-
tine, and before it is dry go over it with a
stucco brush — an ordinary brush will answer
if you have no other — merely thrusting the
brush against it. This will give a " dead "
instead of a shining surface, and the imper-
fections will not show. A faint tinge of blue
looks well on a ceiling, buft" on the side
walls.
THE FURNITURE.
Of course if you buy, the world is all before
you what to choose. It somewhat relieves
the stiffness of a formal set to have pieces of
different styles — enough to furnish the room,
without reference to a complete set. Easy
chairs and rockers of different sizes and pat-
terns, fancy ladies' chairs, cane chairs, otto-
mans, etc. , with a sofa, furnish a parlor nicely.
But a good many farmers and mechanics
can make what they cannot afford to buy.
Any one who can make a hay-rack or a
stone-boat can make a frame for a couch or
sofa. Give it a good width, a bottom of elas-
tic slats and a back of the same. Make
for it a box-shaped tick six inches thick and
fill with soft oat straw, or corn husks picked
fine. Cover this on the top and sides with
furniture print. Make two pillows in the
same manner and cover them entirely. If
your frame is rough and unpaintcd, cover
it also, and you have something that it will
be a pleasure to look at and a luxury to sit
or lie upon. Old arm-chairs may be cush-
ioned and glorified in the same manner;
and if you have none and cannot make
them, they can be bought for almost noth-
36
THE NEW-YORK ALMANAC
ing. A strong box one foot square, covered
with furniture print and stuffed on the top,
will make an ottoman. If you are ambi-
tious, put ruffles on the upper edges of your
cushions, pillows and ottoman. A center-
table can be improvised by covering a pine
table — large enough for lamp and books
and papers and work-box — with green
baize, fastening it along the edges with
brass-headed tacks.
FLOWERS AND PLANTS.
" A thing of beauty is a joy forever," and
what is more beautiful than "the fresh
green things that grow in country fields? "
Long grasses and ferns look nicely in vases
on the mantel, table or stand ; mosses and
lichens may be arranged in mottoes and
devices of various sorts by gumming them to
card-board. An old tin pan or pail painted
green and filled with what a smart boy
or girl can gather from the woods in an
afternoon, will make a handsome ornament.
Make some holes in the bottom, if there are
none ; put in charcoal an inch deep and
then fill up with equal parts of wood-soil,
garden-soil and sand. Put money-plant or
periwinkle or yellow myrtle around the edge
to hang over the side. A box will answer
the same purpose as a tin pan or pail, and
pine cones, acorns, pieces of bark, moss
and lichens can be fastened to the outside.
Wall ornaments can be made in a similar
manner, by sawing out a piece of board
any shape you fancy and fastening to one
side an open pocket made of wire, or of
the steels from an old hoop-skirt. Line it
closely with moss, and then put in the
grasses and ferns. A few small pieces of
sponge in the middle will keep it moist
and prevent dripping.
Growing plants are more trouble to take
care of, but they amply repay those who do
it. Ivy, planted as we have described, in a
well-drained box, makes a pretty ornament
for a window. The leaves should be
washed once or twice a year with strong
soap suds. German ivy will grow from
slips without roots. Placed in bottles and
hung behind pictures they come out of
their hiding-place and ornament the pict-
ures in a charming manner.
Rub flax-seed into a sponge, suspend it
by a cord and wet it every day, and it will
soon become covered with verdure, and
afterward with flowers. A sweet potato or
the top of a pine-apple will grow if placed
in water. They may be put into wide-
mouthed bottles and hung in the window.
A large carrot may be made to do duty as
" bottle and all " by cutting off the smaller
end and hollowing it out. Fill it with
water, and suspend with the large end
down. It will send out beautiful shoots
on every side.
Almost any sort of flower may be made
to bloom indoors by planting in boxes ; so
one has only to select his favorites, and
care for them a little each day, to have
fresh materialized sunshine in the house
the year through. Among the best are
geraniums, monthly roses, fuchsias, mign-
onnette, and the Calla lily.
THE FLOOR.
This is the elephant that will eat you out
of house and home if you have not much
money to spend and are not careful. While
it is true that the furnishing of one part of
a room should be in harmony with that of
every other part, let us consider that the
floor is to walk on, for the furniture to stand
on, etc., and that other parts of the room
are more conspicuous, and therefore de-
mand more care and taste in furnishing.
A room will probably look better in the end
if we set out with the idea of slighting the
floor a little. There are many persons who
think they cannot afford to have fifty dol-
lars' worth of pictures on their walls — furni-
ture that never fades nor wears out, and
which never fails of being a source of pleas-
ure and an educational power — who yet
can afford to put from one to three dollars
on every square yard of floor in the room !
It is all well enough to have fine carpets if
you can have other things in proportion,
but not instead.
Good matting can be bought at from
thirty to fifty cents per yard, and if sewed
together and put down neatly, like a car-
pet, it will last a long time. A few mats
matching the other furniture in color, laid
down where there is most wear, saves the
matting and helps to furnish. To give an
appearance of warmth in the winter, a
space, say eight by ten feet in the center of
the room, may be covered with drugget,
which can be bought for about thirty or
forty cents a square yard. This, with the
mats, and a few boxes stuffed and covered
for hassocks, will give the room both
warmth and color.
If a room is to be used a good deal — for
example, if it is the living-room, where
there is a large family of children — a rag
carpet will be more durable than any other
for the price, and the children can cut and
THE NEW-YORK ALMANAC.
37
sew the rags themselves. Perhaps if they
should do that they would be more careful
to keep the carpet clean after they got it.
The great point with children is to get
them interested in a thing. If work can be
put before them as somethmg in which they
can exercise their own ingenuity, taste and
skill, and so that they get hold of the idea
of ownership and responsibility, the boy be-
comes a man at once, and the girl a woman.
Ingrain carpets may be had at a great
variety of prices. A first quality two-ply will
cost a little over a dollar a yard. Two-ply is
preferable to three-ply, because it will turn
so nicely and will wear nearly as long. At
the large carpet stores one can get ingrains
in patterns so handsome and in texture so
firm that he need not envy a richer neighbor
is Brussels. Those in which the colors are
well mixed wear best, and curved lines in
the figures are more pleasing than straight
ones. Never allow yourself to be duped
into buying a cheap and homely Brussels
carpet, nor one that you cannot really
afford, because some snob of a friend or a
clerk assures you it "is more genteel,"
" wears so much longer," and that if you
get a good carpet to begin with you can get
other things by and by. Gentility is not
found in carpet patterns ; Brussels cannot
be turned like ingrain, and being only
three-fourths as wide, ingrain at a dollar a
yard is only half as expensive as Brussels
at a dollar and a half. A room with only
a carpet in it is a vexation and not a com-
fort, and if you begin thus foolishly it will
probably be a long time before you will get
much enjoyment out of your room.
BOOKS.
The following remarks by Mr. Beecher
do not exaggerate the importance of books,
and the same may be said of good newspa-
pers and magazines.
"Books are not made for furniture, but
there is nothing else that so beautifully
furnishes a house. The plainest row of
books is more significant of refinement than
the most elaborately carved sideboard. Give
us a horne furnished with books rather than
furniture. Both if you can; but books at
any rate. To spend several days at a friend's
house, and hunger for something to read,
while you are treading on costly carpets, and
sitting upon luxurious chairs, and sleeping
upon down, is as if one were bribing your
body for the sake of cheating your mind.
" Books are the windows through which
the soul looks out. A house without them
is like a room without windows. No man
has a right to bring up his children with-
out surrounding them with books, if he has
the means to buy them. It is a wrong to
his family. Children learn to read by
being in the presence of books. The love
of knowledge comes with reading, and
grows upon it. And the love of knowledge .,
in a young mind is almost a warrant against ^|
the inferior excitements of passion and
vice. "
THE FLOWER GARDEN.
Every family ought to cultivate flowers if
possible. Many have not space enough to
make it an object to plant garden fruits, but
a very small patch of earth will make a
flower-bed. People of small means and
limited sources of gratification can not
afford to lose the ennobling influence there
is in beauty. And there is nothing in the
world more beautiful than flowers. We
have it from the highest authority, that they
are arrayed more exquisitely than kings.
They appeal to the finer sensibilities. Their
graceful forms, delicate structure, brilliant
colors, and sweet perfume speak to us of
purity and goodness if we listen well.
There are three classes into which, for
the sake of convenience, they may be
divided. First, those that live out all
winter, and when once planted need but
very little attention afterward ; such as
hardy roses, peonies, and flowering shrubs
of various kinds. Second, those that flour-
ish out of doors in summer but must be
housed in winter; such as the delicate
varieties of rose, geranium, fuchsia, etc.
Third, annuals — those which may be grown
from the seed every year.
The first and second kinds named above
can be generally either propagated by cut-
tings, or they spread at the root ; so they
may be multiplied from year to year. For
this reason they cost but little at the green-
house, and are often given away by persons
who wish to prune the parent stock. Seeds
of the annuals cost from five to fifteen cents
a paper. Some seedsmen put up packages
containing twenty-five varieties, giving a
succession of flowers the season through,
which they sell for one dollar. After buying
once you can grow your own seed.
Of course we are writing chiefly for peo-
ple who do not have flowers, and who think
them too expensive or too troublesome.
We feel sure that if such try the experiment
of cultivating ay^w next year, they will try
38
THE NEW-YORK ALMANAC.
it again. Don't attempt too much at first,
if you are a novice. Put out a climbing
rose-bush, a honeysuckle, and some morning-
glories in your front yard ; get a fuchsia, a
geranium and a monthly rose, to keep in
pots ; and buy a dollar package of seeds, for
the garden proper. These, with a {ew
bulbs, such as tuberoses, gladioli! and
dahlias, will make a good beginning.
Most flowers need v^ery rich and finely pul-
verized soil, and plenty of water. A month
or two may be gained by starting all seeds and
bulbs in boxes, in this climate. The earth is
so long in getting warm, and frosts come so
late. Take a long box and set it on the south
side of a building and water with warm
water, if you don't want such things in the
house. The heat of the building will protect
from quite severe weather, and your plants
will get strong and hardy out of doors, be-
fore they would come up if sown where they
are to grow.
There is an exquisite and pure pleasure
in watching the gradual development of the
loveliness which Nature has locked up in the
bosom of a tiny seed or shrub. To get from
flowers all their influence, one needs to go
among them every day, watching over them
as tender parents do over lovely children.
When one has thus watched the unfolding
of flowers from their first tiny shoots until
they have reached their most perfect form,
have taken on their glories of color, and have
begun to shed abroad their delicate per-
fume, there is a pleasure in their contem-
plation that no words of ours can describe.
And when we see how quietly Nature
works, and yet what marvelous effects she
produces ; how true she is to the great law
that every seed shall bring forth after its
kind; and how she strives to overcome ob-
stacles, to heal wounds, and to bring forth
each looked-for fruit in its season, we lose
some of our own impatience and fretful-
ness, some of our pride and our false views of
life, and learn to honor silent and humble
workers, and to love the pure, the beautiful,
and the true.
insurance Topics.
A PRESSING NEED SUPPLIED.
A Large Business.
The life insurance companies of the United
States have in force about one million policies,
covering insurance to the amount of about two
thousand million dollars, and hold in trust for
the security of their policies about four hundred
million dollars. Yet, forty years ago, life insur-
ance was almost unknown in this country.
What has been the cause of this enormous
growth ? Certainly it is not because money ex-
pended in this way gratifies any appetite or pas-
sion. It does not gratify pride, nor ambition,
nor selfishness, nor greed. On the contrary, it
requires money to be paid out without any cer-
tain prospect of immediate returns. It requires
self-denial sometimes, unselfishness always. It
appeals to high and noble motives, and puts the
reward in the future, often purposely beyond the
reach of the person who insures. When we see
what an immense business has been built up on
such a foundation, we confess to a feeling of ex-
ultation that there is so much prudence, and vir-
tue, and generosity in the world.
What are the circumstances that have prompt-
ed the expenditure, on such principles, of such
large sums of money? For generosity itself is
not generous without cause, while prudence and
self-denial do not run in advance of duty. We
need not look far for the causes of this remark-
able phenomenon. In no country on the globe
are the masses so well to do as in this country,
and. at the same time, there is no other civilized
country in which so large a proportion of the
inhabitants depend upon their own labor for
support. Families are in comfortable circum-
stances, because the labor of the husband and
father is well paid for ; and men insure their
lives, because, should life suddenly be cut off,
their families would fall at once into compara-
tive poverty.
The Cause of It.
Let us take an illustration. A farm laborer
earns, say two hundred dollars a year and his
board. He may not have five hundred dollars
in the world, but his family may live very com-
fortably on his wages, so long as he earns them.
But if he dies, their only support is taken away.
How much wiser it is for a man in such circum-
stances to pay twenty or forty dollars a year and
leave his family a thousand or two thousand dol-
THE NEW-YORK ALMANAC
39
lars at his death, than it is to run the risk of
their falling into poverty and distress. They
are sure to get the insurance sometime, and all
gladly practice a little self-denial, if need be, for
the protection which insurance affords against
absolute poverty.
With the mechanic; the clerk, the young pro-
fessional man, the principle is the same. Not
one in ten lays up enough during the first ten
years of married life to take care of his family
in case of his own death. Among men of
exceptional ability, men who live in better
style, and who are giving their children more
advantages — men who will be rich some day,
if they live — very few of them accumulate
such a sum as they feel they ought to leave to
their families until they are over forty years of
age. At first they lay up but little, though they
may practice great economy. Their children are
growing up, and their family expenses are large.
Their business is growing and requires capital
to develop it. They are only getting ready to
make money, and it is not, until after long years
of toil and struggle, that they feel independent
of the proceeds of their daily labor.
But these years are the most exhausting of a
man's life. He has everything to learn. Busi-
ness ways, business capacity, tact, the ability to
do a large amount of work with a sm^ll expendi-
ture of force — all these come to a man only after
years of experience. But the young man is sur-
rounded by those who have this experience.
They are his rivals, and competition is sharp.
He must pay for his lack of experience and cap-
ital by harder work and smaller profits. And
so it comes about that the period during which
men subject themselves to the severest strain,
mentally and physically, and hence the period
during which they are most likely to break
down, is also the period when they would leave
the /i?aj-/ amount of property to their families if
they should die, and the period when their fam-
ilies would need the most.
It is very evident, therefore, that, if during
these years of preparation, of planning and
working, the planner and the worker should
die, his family would be left, if not in actual
want, at least in circumstances in which he
would feel greatly mortified to leave them. His
affairs involved, possibly, and needing either
money or his own management to prevent em-
barrassment and loss ; his children just at the
age when for them to leave school would be to
lose the golden moment of their lives for men-
tal and moral culture — what a calamity to con-
template ! what a burden to put upon those
already bowed down with unutterable grief!
American Prudence.
It is considerations such as these that have
weighed with American husbands and fathers,
and that have swelled the business of life insur-
ance ofiices to such enormous proportions.
They have seen too many sad results of the neg-
lect to insure life, and they love their wives
and children too well to run a single unneces-
sary risk of leaving to them a heritage of pov-
erty. They have seen delicate women com-
pelled to become drudges ; seen children neg-
lected, or overworked and abused ; seen them
grow up stunted in body and in mind, the prey
of the selfish, the tools of the cunning, or per-
haps to lives of vice and crime ; and they have
resolved that, with God's help, no neglect of
theirs should ever bear such bitter fruit to their
wives and children.
The need of some system by means of which
men in good health should be able, by the an-
nual payment of a small sum during life, to
secure to their families the immediate payment
of a comparatively large sum at their own death
— whenever that should occur — was great and
pressing. Men who, to all appearances, had
thirty or forty years of productive labor before
them, were not sure of a single year's nor of a
single day's. They could not take upon them-
selves the responsibilities of rearing a family
without incurring the hazard — humiliating to
themselves and terrible to their offspring — of
suddenly leaving them fatherless and penniless.
They had seen death-beds, sad beyond expres-
sion, where this hazard became a fact, and they
had seen bereaved families in such distress that
it seemed to them the dead must almost turn in
their graves because of it. And when life com-
panies were established upon a basis so rational
and so just, offering a security so complete, and
supplying a need so pressing, it is no wonder
that life insurance was hailed as one of the most
beneficent institutions of modern civilization.
INSURANCE vs. MONEY AT INTEREST.
One of the commonest fallacies which life
insurance agents meet is this: " A man might
better put his money in the savings bank than
40
THE NEW-YORK ALMANAC.
into a life policy." Of course it is a great
mistake — as many have learned to their sor-
row— but it is still put forth by thousands who
have never carefully considered the two meth-
ods. Believing that our readers desire to
know the exact truth of the matter, we have
prepared a table, which will be found on the
opposite page, to which we ask their attention
in connection with this article. We have taken
the insurance rates at the age of thirty, be-
cause that is the average of twenty-five and
thirty-five, and men between those ages usu-
ally have families, and need insurance. Of
course the rates for a younger person would
give results more favorable to insurance.
"What the Table Shows.
The table shows how much a family would
receive from each method at the death of the
insured, should that take place between the
ages of thirty and fifty-one. The amount given
is that which would be received should death
occur at the beginning of the year; of course
the amount which would be received from
money at interest would vary during each year.
It also shows how many chances there are in i,ooo
that a person will die in every year between the
ages of thirty and fifty-one. That is, out of
i,ooo persons of that age, so many will die.
We hardly need to comment on these figures.
They make it as clear as noonday that there is
no insurance \\\ money at interest. The $ioo,
which secures $4,405.28 on the day the first
payment is made, would not amount to a single
thousand iii more than seven years, and during
that seven years 68 persons in 1,000 will
die. Over (kirleen years will elapse before
money at interest will bring half the amount
that it would if invested in insurance, and dur-
ing this time 122 persons in 1,000 will die.
Before the money at interest reaches the
amount aiforded by a life insurance policy,
about 210 in 1,000 will have died. This, we
believe, is as large a percentage as our troops
lost by death in battle during the war. Now,
let us draw a parallel. Suppose the war were
to be fought over again, and we knew in ad-
vance that the losses would be as heavy as they
actually were. Then suppose a soldier were to
1)0 paid as much for his four years' service as he
would receive for twenty-one years' ordinary
labor, and that his family expenses were in-
creased in proportion; does afty one suppose he
would hesitate to pay $100 every ten weeks,
if that would secure $4,400 to his family in case
of his death in battle?
These Estimates Low.
The table might be made to show results
much more favorable to insurance, and still be
within the bounds of truth. No account is
taken of dividends, because they cannot be
ascertained in advance. But they are paid by
the New-York Life Insurance Company
regularly. We could select from the Compa-
ny's books cases where persons have received
from matured endowments more than they
would have done from money at interest. But
it does not always happen so, and the Company
prefers not to put these special cases forward
as examples. It binds itself to pay the insur-
ance, and as large dividends as it makes.
We have supposed in this case that the
money is actually put at interest, but our read-
ers know as well as we that not one man in ten,
nor one in fifty, who refuses to insure, ever
puts money in a savings bank regularly year
after year, and allows it to remain there pertna-
nently for the benefit of his family.
The Other Tables.
We also give tables showing the cost of
Ordinary Life Policies, Fifteen, Twenty,
Twenty - five and Thirty Year Endowments,
Ten Payment Life, and Ten Payment Endow-
ments due in twenty, twenty-five and thirty
years, respectively. Rates for all desirable
forms of policies will be furnished on applica-
tion to the Company or its agents.
The amounts given in Table i are to be paid
every year until the Policy becomes due, either
by the death of the person insured or by the
expiration of the time designated at the head
of the column from which the rate is taken.
The dividends that accrue from year to year may
be applied to reducing the amount actually to be
paid, or to increasing the amount of the Policy.
The amounts in Table 2 are to be paid every
year for ten years, and the insurance is payable
as in the other case, at the time indicated at the
head of the column from which the rate is
taken. In both cases the insured participates
in the profits of the Company until the Policy
becomes due ; and where the premiums are paid
according to Table 2, if the insured survives the
ten years, the dividends are paid him in cash, or
by increasing the amount of his insurance.
THE NEMA-YORK ALMANAC.
41
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42
THE NEW-YORK ALMANAC,
THE ELEMENTS OF LIFE INSUR-
ANCE.
We believe in plain talk on the subject of
life insurance, and hold that the more people
know of it, the more they will avail themselves
of the real advantages it :offers, the less likely
they will be to expect impossibilities of insur-
ance companies, and the more likely they will
be to avoid the quack concerns that offer to
perform impossibilities. We shall endeavor,
therefore, to state, briefly and in common lan-
guage, a few of the elementary principles of life
msurance.
The Rate of Mortality.
The basis of life insurance is the fact that,
among a large number of healthy adults scat-
tered over a large region, the rate of mortality
can be approximately ascertained in advance.
The actual experience of American life com-
panies enables them to say, " We know that,
of ten thousand healthy adults of a certain age,
about so many will die the first year, so many the
second, and so on until all are dead." The
life of a single person is, as we all know, very
uncertain; it may last fifty years, or it may not
last a single day ; but the lives of a large num-
ber of persons taken together show a remark-
able stability. Some will fail, but others will
just as surely not fail, and this steadiness forms
a trustworthy basis of calculation. So that,
while mortality tables show a safe basis for life
insurance, in the stability of many lives taken
together, they, at the same time, show the abso-
lute need of life insurance, in the uncertainty
of any single life.
The Premium.
To determine how much ought to be paid for
insurance on life becomes a comparatively easy
matter when all elements of the computation are
known. The rate at which money will increase
when placed at compound interest, and the
present value of payments to be made at any
^j future time or times, are simply matters of arith-
I'l metic, if the rate of interest that can be depended
[] on be known. In order to be on the safe side,
jij the best companies assume only a low rate,
since if more is realized the balance can be
returned ; but if the rate assumed were too large,
the companies would soon become insolvent.
The rate assumed by the New-York Life, for
example, is only four per cent., though the laws
of the State allow companies to assume that they \
will receive four-and-a-half per cent.
The mortality table supplies the element of
time, since by it can be determined just what
one's chances are of dying in each year of life.
The cost of insurance against this risk for any
specified amount can therefore be estimated, and
the payment of premiums be so adjusted as to
cover it. The net premium, therefore, is just
such an amount, to be paid in just such a manner,
as will, if improved at the assumed rate of inter-
est, during the time the insurance company
holds it, be exactly equivalent to the cost of
insuring against the average risk of death during
the time insured.
Contingencies.
As every prudent business man makes allow-
ances for unforeseen contingencies, so does a
prudent insurance company. It can scarcely be
expected that a mortality table will prove abso-
lutely correct, therefore a percentage is added to
the net premium, in order to cover any reasona-
ble excess in the death rate. A small percent-
age must also be added for the expenses of the
company. As the interests at stake are so vast
and important, these additions are made large
enough, so that, with prudent management,
there is no occasion for the failure of a life
company. But, in order that policy-holders
may suffer no loss ultimately, purely mutual
companies return to their policy-holders, in
dividends, all that remains, over and above the
sutns actually found necessary to carry on the
business. The New-York Life has paid back
millions of dollars in this manner, though
some smaller and less carefully managed com-
panies find it difficult to make both ends meet,
while others have fallen behind, and have been
compelled by the Slate Superintendent of Insur-
ance to wind up their affairs.
Results.
This simple explanation makes clear several
important things :
1. It shows that life insurance is necessary
to the safety of very, very many families.
2. It shows that, with good management, it
is perfectly secure.
3. It shows where dividends come from in
purely mutual companies, and also that a purely
THE NEV/-YORK ALMANAC.
mutual company, if prosperous, is the best to
insure in.
4. It shows why no company can afford, in
justice to its other policy-holders, to insure
unhealthy persons.
5 It shows that, by insuring his life, a man
strikes hands with thousands of other healthy
J persons, in the purpose to leave a goodly sum
? of money to their families, whether they die
f young or old ; and that the burden being thus
made to rest upon each according as his strength
shall prove to be, the result is certain.
DIFFERENT FORMS OF INSURANCE
OFFERED BY
The New-York Life Insurance Company.
1. Ordinary Life Policies.
The simplest form of life insurance is that
secured by an ordinary life policy, for which the
insured pays a certain sum, according to age,
every year as long as he lives, and at his death
the policy is payable by the company. For
example, a man twenty-five years of age or
under is charged, by the New-York Life,
$19.89 per year for a policy of $1,000.
In addition to this simple contract of so
much insurance for so much money, these poli-
cies entitle their holders to two important privi-
leges. The first is, that he shall share in the
surplus earnings of the Company.in proportion
to his contributions to it. That is to say, in a
well-managed company insurance really costs
less than the table rates, but exactly how much
cannot be ascertained until the end of the year.
At that time an estimate is made, and, what-
ever remains to the credit of the policy-holder
as surplus is, in a purely mutual company,
returned to him on each anniversary of his
policy, either in cash or in paid-up additions to
the amount of his insurance, whichever he may
prefer.
The second is a stipulation for the protection
of such as find themselves unable or unwilling
to continue their policies after having made
several payments on them, and provides that,
after the payment of three annual premiums, if
the policy is surrendered in accordance with its
provisions, the Company will grant in exchange
for it a paid-up policy covering a certain speci-
fied proportion of the original insurance. Thus
the inability to continue the payment of pre-
miums is not allowed to work a forfeiture of
those already paid.
The advantage of this form of policy over
others is, that, the premiums being smaller, the
same sum of money each year will secure a
larger amount of insurance, though it may be
necessary to continue the payments longer.
2. Limited Paymsnt Life Policies.
These policies have the special advantage
that the payments may all be made on them
while the insured is still young, or while he is
still in active business ; then if he lives longer
than that, the policy is no longer an expense to
him, but, on the contrary, the dividends aiford
a yearly income in cash.
Some men earn large wages, or have large
incomes from some source, and feel sure that
for ten or fifteen years at least, should they
live so long, they will have enough and to
spare, but that they would not leave enough to
support their families should they themselves
be taken away. They wish while they have
money to pay up a policy of insurance and
have done with it. They wish to set aside so
much, for the use of their families after their
death, and they wish to do it while they are
young and prosperous. To meet the wants of
such, the New- York Life Insurance Com-
pany issues life policies paid up in either one,
five, ten, fifteen or twenty annual payments.
Both the Ordinary Life and the Limited Pay-
ment Life are called Whole Life Policies, be-
cause they provide insurance during the whole
life of the insured. Payment of premium
always ceases with the death of the insured,
though the period selected for paying up the
policy may not have expired.
The policy known as the " Ten Year Non-
Forfeiture Life Policy " was originated and
introduced by the New-York Life. This
policy was the pioneer step in making life
policies non-forfeiting, as its popularity made
it necessary for all other companies to adopt
the principle. Its modifications, however, have
not always been judicious, or even safe.
3. Endowment Policies.
An Endowment Policy provides (i) insur-
ance during a stipulated period, payable, like
that of any other policy, at the death of the
insured, should he die within the period; and
(2) an endowment, of the same amount as the
poHcy, payable at the end of the period, if the
insured survive until that time.
The premiums may be paid annually until the
endowment is due, or they may be paid up in a
shorter time, like Limited Payment Life Poli-
cies. In any case, payment of premiums ceases
with the death of the insured, should that occur
prior to the end of the period selected for pay-
ing up the policy. The Endowment Policy
thus gives the insured the advantage of a lim-
ited term as to payments ; provides insurance
during the period in which his death would
cause most embarrassment to his family; and,
if he lives to the stipulated age, the amount of
the policy is paid to him at a time when he may
need it.
For men who can pay for all the insurance
they need at endowment rates, there is nothing
like Endowment Policies. They combine the
principle of insurance with that of laying up
money. By the payment of a comparatively
small sum a man secures a large sum for his
family, in case of his death before the endow-
ment falls due ; and if he lives until that time,
he has been laying up money for himself. By
insuring in a purely mutual company, a man
gets his insurance for just what it costs, and
gets compound interest on the balance of what
he pays in.
Some men would like to do handsomely by
their children. They are not wealthy, but if
they are insured, and so not under the neces-
sity of laying up much money, they can educate
them well, earning the money necessary as it is
needed. But they would like to do more — to
give their sons a start in business, to give their
daughters a handsome wedding portion. There
is no way in which the children can be provided
for so surely and so amply — now and years
hence — as by an Endowment Policy. A policy
payable in twenty years will cover the time
during which many men will need insurance,
and if they live the Endowment will come back
to them at just the time when it will be most
welcome for sons, for daughters, or for self.
4. Tontine Investment Policies.
Many do not know how long they will need
insurance, but they know they need it now, and
they wish to insure in such a way that a few
years hence they can, if they wish, withdraw
whatever accumulations there may be on their
policies without sacrifice, or, if they still
need the insurance, be able to continue it at the
low rates at which they began, and not run any
risk of being rejected at a new examination.
To such, Tontine Investment Policies, as issued
by the New-York Life, are exactly suited,
and they are confidently recommended to those
who have a reasonable prospect of being able to
continue their premiums, but to only such.
The plan is as follows : Those selecting it
are placed in classes according to the Policy
year of issue and the Tontine period chosen,
whether that may be the ten, fifteen or twenty-
year period ; the election of the period to be
made at the time of making the application for
the Policy. The annual surplus arising in
each of these classes is accumulated for the
benefit of the class, but no division is made
until the expiration of the selected period, and
then only to such policies as are actually in
force ; those terminating prior thereto receiv-
ing no dividend. To the representatives of
those who die during the period, the original
amount insured will be paid. Those who dis-
continue their policies will receive neither paid-
up policies nor surrender values; but profits
from this source, as well as from the dividends
of those who die during the period, will be
placed to the credit of the class to which they
belonged.
Its special advantages are: i. It practically
gives an endowment policy at life rates. 2.
The estimated profits of those who survive their
Tontine periods are large, while the profits on
the policies of those who die within their Ton-
tine periods must be large. 3. Prior to the
termination of the selected Tontine period, the
policy gives to the policy-holder his choice of
receiving, at such termination, the whole value
of his policy in cash, or, of continuing his insur-
ance in any one of several forms.
The Tontine principle may be applied to any
form of policy issued by the Company, pro-
vided the benefit will not mature within the
Tontine period. The rates of premium will be
the same as on any other corresponding form
of policy ; and if the policy is continued after
the expiration of the Tontine period, its status
will be the same as that of any other policy
of a corresponding form.
The reader will find on page forty-eight the
estimated results of a policy, taken at the age
of forty, on the Tontine plan. While, as it is
there expressly stated, they are estutiales only,
and are not to be considered guarantees on the
THE NEW-YORK ALMANAC
45
part of the Company, we wish our readers to
know that these estimates have not been care-
lessly made, but that they are fully justified by
past experience as to losses and gains. To
this end, and that they may know how highly
this form of insurance is regarded by men well
qualified to judge, we quote from letters
received on the subject from two eminent
Consulting Actuaries :
Edwin W. Bryant, Esq., writes: "I have
no hesitation in saying that I think it more
probable that the actual results will exceed than
fall short of your estimates. The various
advantages of this form of Policy are well pre-
sented in the circular explaining it, and I
notice among thetn several methods of applying
the surplus which do not appear to have ever
been offered by any other Company.^''
Sheppard Homans, Esq., for many years
Actuary of the Mutual Life of this city,
writes : *' The betiejits you propose to extend to
those selecting this class of Policy are more
varied in their character and advantages than
are afforded by any plan of Insurance now
in use by any Company within my knowl-
edge, and are such as cannot fail to ren-
der the Tontine Investment Policy a popular,
safe, and highly remunerative form of Insur-
ance."
WHERE SHALL I INSURE?
This is a question which many are asking
with an interest that befits the subject. For,
while life insurance can boast of fewer failures
than any other business of its magnitude in this
or any other country, nevertheless some com-
panies have failed, and a great many have been
obliged to wind up their affairs. And, although
in most cases they have been able to re-insure
their risks in other companies, yet policy-hold-
ers have been put to so much inconvenience by
these transfers, and have actually lost such large
sums, which would have been returned to them
in dividends had they insured in first-class com-
panies, that they have learned at last that, to be
insured in a good company is just as essential as
to be insured at all.
A great many have learned that it is not al-
ways safe to insure in a company simply because
a friend is the agent and believes it sound. We
could give instances of this sort among our own
circle of acquaintance, that would show how im-
portant it is to select a company that can show
other and weightier reasons for being trusted
than the confidence of its managers and friends.'
Others have learned, to thei^ sorrow, that the
so-called cooperative companies have no trust-
worthy basis either in mathematics or expe-
rience, and that those who trust in them lean on
broken reeds. A man who buys so important
a commodity as life insurance wants behind his
policy a company with a goodly sum of invested
assets, legally bound to pay the loss in case of
his death, not a thousand irresponsible indi-
viduals.
Another lesson has been, that, other things
being equal, purely mutual companies are the
best to insure in, because they furnish insur-
ance at cost, and none of the profits of policy-
holders go to stockholders.
The cry of "Patronize Home Companies"
has also had its day, and fails to attract, since
men have learned that to be safe a company
must have its risks distributed over large re-
gions, and, therefore, cannot be a " Home Com-
pany " to all its policy-holders; that the place
to buy life insurance, as well as merchandise, is
where you can get the best article, and the most
of it for the least money ; that a company which
lends money in your neighborhood, on terms
that capitalists will not accept, is doing an un-
safe business.
It has come to be generally believed, also,
that a company, which does not do business in
either New- York or Massachusetts, avoids these
States because of the stringent supervision ex-
ercised over those that do by the Superintend-
ents of Insurance, acting under the authority of
laws which carefully guard the interests of pol-
icy-holders. It is seen now, more clearly than
ever before, that life insurance should be strip-
ped of every feature savoring of speculation ;
that only a low rate of interest should be calcu-
lated upon, and that, perfect security having
been thus attained, perfect equity may be se-
cured by pure mutuality in the distribution of
surplus earnings.
And, finally, men have learned how sure a
test time is of the professions and promises, and
of the stability and strength, of a life company.
"Handsome is that handsome does," says the
proverb, and the company that goes on, from
year to year, paying its losses promptly and
cheerfully, paying regular and large dividends,
increasing its assets and keeping them carefully
invested, granting new and important advan-
tages to its policy-holders, and perfecting new
and desirable forms of insurance — the company
that does this is not only proving its claim to
46
THE NEW-YORK ALMANAC.
the confidence of the public, but the public are
acknowledging the claim in no half-hearted
way. They see that an old company is a proved
company, and that a large company can pay
larger dividends than a small one, because its
expenses are proportionately smaller.
The proper answer to the question placed at
the head of this article seems, then, to be plain
— insure in an £?/(/ company, in a /ar^^ company,
in a purely mutual company, in a company that
has a good record for liberality and fair dealing ,
in a company that does business in both New-
York and Massachusetts, in a company which
has its assets carefully invested, avoiding all co-
operative schemes of whatever kind, and all com-
panies that have no better recommendation than
that they are "home companies," or are repre-
sented by a friend. Can such a company be
found? For an answer to this question we
must refer the reader to the article following.
THE NEW -YORK LIFE INSURANCE
«) COMPANY.
This Company completed its thirtieth year
December 31, 1874. At that time its history
and condition were, in brief and in round num-
bers, as follows :
History.
Number of Policies Issued 112,000
Premium Receipts $57,000,000
Death Claims Paid 13,000,000
Dividends and Ret'n Pi em's Paid.. 17,000,000
Condition.
Number of Policies in Force 45,000
Total Amount Insured $123,000,000
Cash Assets 27,000,000
Surplus, Company's Standard. . . 2,200,090
" State ■' 4,520,400
Business, 1874.
New Policies Issued 7>25o
Amount Insured $22,000,000
Total Income 8,000,000
Interest Receipts 1,645,000
Death Claims Paid 1,470,000
Dividends and Ret'n Prem's Paid . . 3,026,000
Increase in Assets 3,000,000
It is of course impossible to give a summary
of business for 1875 when the Almanac goes to
jf press, but at this writing there is every reason
to believe that it will show an increase over the
business of 1874, notwithstanding the dullness
which has characterized general business. Peo-
ple are learning that they cannot afford to do
without life insurance, whether times are hard
or easy. The death-losses paid during the
first half of the year were $776,072. At this
rate, the losses for the year will be $1,552,144;
a slight increase over those of 1874, as the lat-
ter were slightly larger than those of 1873.
This is as it should be. The Company is
continually growing larger — the increase in
assets in 1874 being nearly three million dol-
lars. The interest on its invested assets in the
same year exceeded its death-losses by over
one hundred and seventy-five thousand dollars.
While the Company is fulfilling the mission of a
life company by paying out as death-losses an
average of over five thousand dollars for every
working-day, it is at the same time carefully
guarding and rapidly increasing its reserve as
security for the policies of its growing army
of patrons.
Prominent Characteristics.
The Company aims to make the security of
its policy-holders as nearly absolute as anything
earthly can be. Its standard for estimating its
liabilities is the highest in use in this country,
being the same as that of Massachusetts ; and its
reserve is thus kept over two and a-half million
dollars larger than is required by the legal stand-
ard of the State of New- York, The large experi-
ence of its officers and managers, gained during
its long and eminently successful career, guar-
antees the prudent management of its affairs.
As an evidence of this, it should be noted that
over three-fourths of its invested assets are in
bonds and mortgages secured by real estate
valued at mote than double the amount loaned,
and the buildings thereon insured, and the poli-
cies assigned to the Company as additional col-
lateral security. The stocks held by the Com-
pany are the best in the market, bemg chiefly
United States, and New- York State and City
bonds, all of which are above par.
It also aims at the most careful economy in
the management of its affairs, and has suc-
ceeded in reducing the ratio of expenses to pre-
mium receipts to a very low figure — less than
half the average ratio of other companies doing
business in the State. Special care is exercised
in the selection of risks, and no anxiety to secure
THE NEW-YORK ALMANAC
47
a large business ever induces it to accept any
but first-class lives for insurance. This makes
its death-losses proportionately less, its divi-
dends larger, and thus decreases the actual cost
of insurance to the policy-holders.
It has been a purely mutual company from
the first, has never paid a dollar to stockhold-
ers, never having had any. All the earnings
of funds intrusted to its keeping, after paying
death-losses, are returned to policy-holders in
proportion to their contributions to the same.
This not only reduces the cost of insurance,
but it places the trustees and managers in the
position of arbitrators between the members,
with no pecuniary interest in the questions to
be decided, while the trustees and managers
of stock companies have a pecuniary interest
in the very claims upon which they are called
to pass judgment. The dividends declared are
available immediately, in the settlement of the
second and all subsequent annual premiums.
The entire system of Non- Forfeit m-e Policies
originated with this Company in i860, and, in
accordance with the present practice of this Com-
pany, this feature, briefly explained, is as follows :
After the payment of three full yearly premiums
on an Ordinary Life Policy, or but two full
yearly premiums on a Limited Payment Life
Policy, or on an Endowment Policy, either of
these policies, being surrendered in accordance
with its provisions, secures to the assured a
PAID-UP POLICY, covering a certain specified
proportion of the original insurance. Thus ina-
bility to continue payment of premiums does
not necessarily cause the absolute loss of the
previous payments made on a policy of this
character, for by its provisions a lesser amount
of insurance may be preserved for the future,
even though the original policy may have been
discontinued and canceled.
Liberality in the settlement of losses has ever
been a marked characteristic of the New-York
Life. Experience has shown that cases" arise
where policies, though equitably claims, are not
legally so. The records of the Company bear
many acknowledgments from widows and rela-
tives of deceased members of its liberality and
fairness in the settlement of all such losses.
There being no stockholders in the Company jj
to share its profits, interests adverse to policy- *■'
holders cannot possibly arise ; the Trustees
simply occupying the position of arbitrators
between the members, with no inducements to
take from one and give to another.
With such a record for able management,
economy and success, with an enviable repu-
tation for fair-dealing and trustworthiness, and
with all its affairs in flourishing condition, the
New-York Life offers itself as a medium of I
life insurance for the people.
ly Mutual ->- _^^7' '-Ot-;
ICANIZEIK1845
THE NEW-YORK ALMANAC
THE TONTINE INVESTMENT POLICY
OF THE NEW- YORK LIFE INSURANCE COMPANY
So combines the Tontine principle in the distribution of surplus with Ordinary Life and Endowment Assurance as to
afford to those who survive certain selected periods, the maximum benefit to which they become entitled by their
superior vitality and persistence in payment of premium. Below are given brief illustrations and
ESTIMATED RESULTS
OF A
Tontine Investment Policy of $10,000
ON THE ORDINARY LIFE TABLE OF RATES,
Insuring- at 40 years of agre, -v^ith Premium of ^33.3 Annually, d,uring- a selected
Tontine Period of Ten, Fifteen or T-wenty Years.
The
BENEFITS PROPOSED,
At the option of the Policy
Owner, are:
To Withdraw the Accumulated "l
Surplus in Cash,th8 Payment [
ofPremiums being Continued [
by the Assured, J
OR,
Surplus Purchases an Annuity
for Life, Combined with Divi-
dend.
OR,
Sale of Policy to the Company,
for Cash,
OR,
Sale of Policy, and Purchase, i
with the Proceeds, of a Year- >
ly Income for Life. ^
OR,
Sale of Policy, and Purchase,
with the Proceeds, of a Paid-
up Policy, Without Profits.
After the completion
of the
TEN-YEAR
Tontine Period.
56
per ct.
Of Premiums Paid.
After the completion
of the
FIFTEEN-YEAR
Tontine Period.
101
per ct.
Of Premiums Paid.
$227.90 i $546.30
To Pay Premiums and
Continue Policy.
Will Pay Premium &
leave a Surplus for
Increasing Income.
107
per ct.
Cash Return of Pre-
miums Paid.
$286.20
$7,500
154
After the completion
of the
TWENTY-YEAR
Tontine Period.
Of Premiums Paid.
per ct.
Cash Retura of Pre-
miums Paid.
$699.50
$15,000
$1,160.10
Will Pay Premium &
leave a Surplus for ^|
Increasing Income, if
UiVi per ct I
Cash Return of Pre- ^^
TTiiiiTTiq Paid.
$1450.00
$23,500*
-■f; Provided, that when the amount of the Paid-up Policy exceeds the original amount of the Insurance, as a condition
precedent to its issue, a satisfactory certificate of good health, from an examiner of the Company,
and subject to its approval, shall be furnished.
While these results are based upon data which are expected to be less favorable than future experience will
develop, and as such have been approved and endorsed by seme of the most competent and experienced Life Insurance
experts, and by men of great financial and business experience, it is expressly stated that they are presented as
estimates only, and are not to be considered as promises or guarantees. The elements involved— viz. : mor-
tality, interest, and miscellaneous profits — being variable in their nature, exact results cannot be foretold. The Company
can only promi.se that by the judicious selection of risks, and by great care in management, every effort shall be made
to meet the expectations of those who may select this form of policy, and it is believed that they can be relied upon with
as great a degree of certainty as stockholders rely upon the future dividends of stock held by them in the best managed
railroad corporations and banking institutions
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The Independent
For
187
6
Will continue to furnish more good articles, from eminent men and women, than anj' other
lil weekly newspaper in the country; and its numerous and able editorial departments will be
maintained and strengthened as occasion may demand.
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Here are the names of some of the men and women who write for The Independent:
John S. C. Abbott, D. D.
Louisa M. Alcott,
A. Bronson Alcott,
Anna C. Brackett,
Leonard Bacon, D.D., LL.D.
Rev. Thos. K. Bek.cher,
Wm. Cullen Bryant,
Prof. S. C. B.\rtlett,
Pres. John Bascom,
Louisa Bushnell,
Elihu Burritt,
Theo. L. Cuyi.er, D. D.
Susan Coolidge,
James Freeman Clarke, D.D.
Rose Terry Cooke,
George B. Cheever, D. D.
C. P. C ranch,
Mary Clemmer,
Chan. Howard Crosby,
Prof. Timothy Dwight, D.D.
Geo. Duffield, D. D.
Edward Eggleston, D. D.
Geo. E. Ellis, D. D.
Prof. C. C. Everett,
Prof. Geo. P. Fisher, D. D.
Wm. Lloyd C^rkison,
Mrs. R. S. Greenough,
Rev. Washington Gladden,
"Howard Glyndon,"
Lucretia p. Hale.
Bishop Gilbert Haven,
"Gail Hamilton,"
T. W. Higginson,
"H. H."
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Pere Hyacinthe,
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Pres. J. F. Hurst, D. D.
Julian Hawthorne,
Paul H. Hayne,
Henry James, Jr.,
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Lucy Larcom,
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Geo. MacDonald,
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Joaquin Miller,
The Abbe Michaud,
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J. Boyle O'Reilly,
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R.\y. Palmer, D. D.
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J. J. Piatt,
Margaret J. Preston,
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Hiram Rich,
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Jane G. Swisshelm,
Dean Stanley,
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R. H. Stoddard,
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Jos. P. Thompson, D.D.,LL.D.
Wm. M. Taylor, D. D.
Prof. Moses Coit Tyler.
J. Hammond Trumbull, LL.D.
J. T. Trowbridge,
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Rev. Henry C. Trumbull,
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James Grant Wilson,
Prof. W. C. Wilkinson,
John G. Whtttier,
Chas. Dudley Warner,
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THE CHRONICLE
An Insurance Journal, Published Weekly,
145 Broadway and 86 and 88 Liberty Street,
New-York.
Devoted to the support of Honest Underwriting and Honest Underwriters,
To the Repeal of Unjust Insurance Lav/s,
To the Abolition of State Insurance Departments.
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I HEARTH AND HOME :
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THE
INSURANCE
LA^^^ JOURNAL
Is now entering on its fifth year, and may be regarded as firmly estab-
lished in the line of duty to which it is devoted. It is occupied solely
with Insurance Law, and contains official transcripts of current
decisions in the upper Courts, abstracts of minor cases, and digests of
all insurance decisions. It is
AN ADMITTED AUTHORITY IN THE COURTS,
And from the fact that the most recent decisions not only furnish
presumably the best law, but often contain citations of all precedents,
the value and convenience of such a journal to the lawyer and the under-
writer are simply incalculable.
\ The Back Volumes, with the current issue, form
A Complete Library of Insurance Law.
IBsicVt. volunies boiind. in Law Slieei>, eacli $3.
Published Monthly.
SUBSCRIPTION PRICE $5.00 PER ANNUM,
Advertisements per page, $400 per aimum. Lawyers' Cards, $10.
AdJrc'ss,
C O . li I TST E 5 J':<^'^''r and Proprielor,
No. 176 Broadway, New-York.
i». O. Box 30S8.
1876.
th:e: olid r^xji^^x-..'
1876.
MOORE'S
Rural New-Yorker
D. D. T. MOORE, FOUNDER AND CONDUCTING EDITOR.
The Great National Illustrated
Rural, Literary and Family Weekly.
This Popular Journal, long the'Standard in its Sphere, will enter upon its Twenty-Seventh
Year in January, 1876, under such auspices as will enable its Founder and Conductor and his Asso-
ciates to manifest more fully than ever before the true spirit of its glorious Motto, "■Excelsior," and
laudable Objects, "Progress and Improvement." The constant aim will be to jnore than maintain its
well-earned position as the
BEST WEEKLY OF ITS CLASS.
On all subjects pertaining to Agriculture, Horticulltirc, Dojnestic Affairs, and kindred topics,
Moore's Rural has been the Recognized Authoritv for a score of years, during which it has
become the Leading and Largest Circulating Rural, Literary and Family Weekly on the
Continent. To sustain and augment tliis pre-eminence, neitlier labor nor expense will be spared, but
every proper effort put forth to furnish a Model Paper for the Rural Population — one
especially adapted to the wants of
Tlie F'a.rmer, Tlie St-ook: C3rro^wer,
Tlie IHortio-altTirist, Tlie ID £Lir3riiia.ii5
Tlie I^OTise^wife, <Sz>c.
But in addition to its attention to Practical Affairs, the Rural is not unmindful of the Family
Circle, for it devotes several pages of each number to Clioice and High Toned Literary and Miscel-
laneous Reading, adapted to both sexes and all ages. This feature has given it a high reputation, all
over the land,
AS A LITERARY AISTD FAMILY PAPER.
The moral tone of Moore's RURAL has always been pure and unexceptionable, while its value as
an Educator is worth many times its cost to any family. During 1876, special effort will be made to
render the whole paper buighter and better than ever before, so that its old friends shall be
proud of it, and thousands of new ones become its ardent admirers.
THE RURAL'S ILLUSTRATIONS
Will continue to be Appropriate, Varied and Beautiful. Indeed, our object is to render the paper
exceptionally Valuable and .Acceptable in all i;s departments. Its Reports of Markets, Crops, &c.,
are alone worth double the price of the Rural.
FORM, STYLE AND TERMS.
Each number of the Rural New-Yorker contains Sixteen Quarto Pages, handsomely Printed
and Illustrated. A Title Page and Index given at the close of each Volume, ending with June and
December.
TERMS, In Advance, Postage Prepaid :— Only $2.65 per Year; or in Clubs of ten or
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posed to act in behalf of the Rural and its Objects. Address,
MOORE'S RURAL NEW-YORKER,
78 Duane Street, Ne-w-York.
ESTABLISHED 1862
The InsuranceiReal Estate Journa
PUBLISHED ^VEEKLY,
No. 23 DEY STREET, COR. OF CHURCH,
NEW-YORK CITY,
By T. & J. Slator, Proprietors.
Jl
This Journal has a large circulation both among the
Insurance and Real Estate interests, and from this asso-
ciation, and others of a more general character, offers to
advertisers a channel of communication ^^^ith an element
of the public that commonly proves most profitable to those
using it.
The New-York Sun
The Average Circulation of the "DAILY SUN" for
1875 has been 130,000 daily.
Advertisers who want to get their money's worth, and who wish to make their advertising
tell, should look into this matter intelligently and critically, and bring common sense and
arithmetic to bear upon it in the most searching manner. Unless they do this, they will stand
a chance to throw away their money and their oppoi^tunities.
The object of an advertisement is to make one's business known, to call attention to it, to
get the public ear, to attract the public eye, to arrest and fix the public attention, in such a
manner as to bring customers to the establishment. P'or this purpose, and in all these respects,
the facts which we have given show that there is no paper in America which can be compared
with The New- York Sun. Its circulation is unparalleled; it is easy to handle; an advertise-
ment stands out in it, and is easily found; it is spirited, popular, appetizing, and does not fag
out its readers, but gives them the buoyancy and elasticity of mind which enables them to read
advertisements with a relish.
THE WEEKLY SUN.
The Weekly Sun is a first-rate newspaper. All the news of the day is given in it in a
clear, intelligible, and interesting manner. It is a first-rate family paper, full of entertaining and
instructive reading of every kind, and contains nothing that can offend the most delicate and
scrupulous taste. It is a first-rate story paper. The best tales and romances of current literature
are carefully selected and legibly printed in its pages. It is a first-rate agricultural ])aper. The
freshest and most instructive articles on agricultural topics regularly appear in this department.
It is an independent political paper, belonging to no party, and wearing no collar. It fights for
principle and for 4jie election of the best men to office. It especially devotes its energies to the
exposure of the great corruptions that now disgrace our country, and threaten to undermine
republican institutions altogether. It has no fear of knaves, and asks no favors from their
supporters. It reports the fashions for the ladies, and the markets for the men. It pays
particular attention to the cattle markets.
Finally, it is the cheapest paper pubhshed. One dollar and twenty cents a year will secure
it, post-paid, for any subscriber. It is not necessary to get up a club in order to have The
Weekly Sun at this rate. Anyone who sends a single dollar and twenty cents will get the
paper for a year.
The very great circulation of The Weekly Su.n among agricultural communities. North
and South, renders it an exceptionally valuable medium for advertisements of seeds, plants, trees,
fertilizers, and every description of agricultural implements.
For Ninety Cents a line THE SUN gives advertisers a Circulation of over 218,000 in its Daily
and Weekly Issues.
TElFe.]VrS OF- "TtiE SXJKT."
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WEEKLY, per year, post-paid, $1.20.
Address,
"THE SUN," New- York.
(s4fe
f
Insurance Times
The Leading Insurance Magazine of the World.
This paper is circulated throughout the United States, and is in the reading-rooms
of the principal hotels in Canada, Great Britain, Ireland, France, Italy, Switzerland,
Holland, Sweden, The German Empire, Austria, Turkey in Europe, Russia, Australia,
New Zealand, Brazil, and the East and the West Indies. The Insurance Times employs
THE ABLEST ^A^RITERS
on its specialty in America and Europe. Its intelligence on all subjects connected with
insurance is always fresh and reliable. It is under the control of no company, associa-
tion or clique, and is wholly independent, impartial and fearless in the treatment of
f every subject discussed in its columns.
Every topic and subject of interest connected with underwriting in all its branches
is eluci*lated in the pages of this periodical by the most experienced adepts in the
profession. Every number contains useful contributions to Actuarial science, and the
statistics and practice of fire underwriting throughout the world. It is the most
RELIABLE GUIDE
of all, to persons seeking fire and life insurance, as to the condition and standing of
the various companies doing business in the United States.
I
PUBLISHED MONTHLY.
P^rioe Tliree TDolleirs Fer ^nn-am.
STEPHEN ENGLISH, Editor a7id Proprietor,
No. 137 Broadway, New-York.
EW-YoRK Express
Established. July, 1886.
J. cS: E. BROOKS, . . Proprietors.
Evening, Semi-Weekly & Weekly.
No, 23 Park Row, N. Y.
Devoted to the Interests of the Merchant and Banker, the Farmer ,,^
AND Trader, Men of Ideas and Men of Work.
Independent in its Opipns, but Democratic in Politics |
ON THE PRINCIPLE OF THE GREATEST GOOD TO THE GREATEST NUMBER
FIRE AND LIFE INSURANCE NEWS A SPECIALTY.
The -p^xpREss Reports
OF THE
Bry Goods, /VIetal, j^ardware, Jjrocery, 'j[V"ine and Spirits yVlAR,KETS,
are fuller and better than those of any other daily
paper in the United ^tates.
Of the EVENING
EXPilESS are
DAILY HOTEL ARRIVALS.
^eli^ou^, $odikl, !)i'kii\atid k^d Politkkl J^qw^.
" The Galaxy is about as near perfection as anything can be." — Daily Register, New Haven, Conn.
THE GALAXY
IS THE
BEST AMERICAN MAGAZINE. NO FAMILY CAN AFFORD TO DO WITHOUT IT.
It gives more aood and Attractive Reading Matter for the Money than
any other Periodical or Book published in the Country.
THE LEADING NEWSPAPERS PRONOUNCE THE GALAXY THE BEST AND MOST
ABLY EDITED AMERICAN MAGAZINE.
The Galaxy"¥or 1876.
The Galaxy will be maintained during the coming year at the high standard with which its
past career has made the public familiar. In the department of lighter literature, and indeed in all
departments, it will try to make itself readable, and also worthy of the reading.
In the December Number is begun a Serial Story by
Miss ANNIE T. HOWELLS,
A sister of W. D. Howells, the delightful Essayist and Novelist. This will be continued during the
coming year.
JOAQUIN MILLER'S
First Romance, "The One Fair Woman," will be begun in the January or February Number.
It will be published simultaneously in London and New- York.
GEN. GEO. A. CUSTER,
The brilliant Cavalry Officer, will contribute Sketches of Army Life and Adventure.
Besides these definite announcements, the Editors are able to say generally that they will offer
during the year discussions, poetry, sketches, stories, and tales of.adventure from many of the most
experienced and attractive writers'in the country; and that arrangements exist for procuring advance
sheets of the best foreign literary work.
The papers on subjects connected with our political history, by conspicuous actors in the events
and movements described and discussed, which have hitherto formed so marked a feature of THE
Galaxy, will continue to have a leading place in its pages.
WHAT THE LEADING PAPERS SAY OF THE GALAXY.
"The Galaxy eminently deserves its nnme, and we
feel tempted to say that this present number is the best
magazine number we have ever come across." — St. Louis
Dally Globe.
"In fact, The Galaxy is a 'star' magazine. Open it
where one may, and theinlerest of the page is sure to catch
and ho'd the attention. Its variety, from good ii^ht read-
ing t3 substantial and useful science, is all that couldbe
de?;ired, and evinces a slall i.i cat-ring for the reading
public rarely equaled. In fict, t'or good, com brtable enjoy-
ment, The (jALaxv will illuminate a reader's leisure with
the serenest rays ofsati-^faction." — Com. Bulletin, Boston.
•'We are inclined to believe that more downright good
literature is crowded between the covers of The G.'VLAXY
than any other American magazine can boast of" — Chi-
cago Times.
■' No other magazine is more readable or is conducted
with greater ability or tact." — Democrat and Chronicle,
Rochester, N. Y.
" It is well named, for its 'Galaxy' of elegant contribu-
tors— writers occupying the highest round in literary circles.
The variety of the contents of each number furnishes a
rich repast for all liter.try tastes. The editorial depart-
ments are conducted with signal ability. Its present pop-
ularity is the result of pure merit." — Commercial, Pitts-
burgh, Pa.
'■ Well sustains its reputation for vigorous and racy
writing. " — Nezu- 1 'ork Tribune.
"The Galaxy is always more a magazine than any-
more intensely m.Tgazinish in style, and more varied in its
range than any other." — Independejit. ,,
"A model periodical; a credit to American periodical ^j
literature." — Philadelphia Press.
'•There is not a dull page between its covers.''— AVto-
York Times.
"The variety of its contents, their solid worth, their
brilliance, and their great interest make up a general char-
acter of great excellence for every number. " — Post, Boston.
" Alwavs ably edited, and remarkable for the good judg-
ment displayed in the selection cf current topics for dis-
cussion. In this way it quite eclipses the more conserva-
tive periodicals of the d^y." —Boston Journal, A/ass.
"The Galaxy is one of the fullest, and.takcn altogether,
richest, of the many monthlies which have given such_ an ]|
enviable name to our American magazine literature." — J
Sunday-School Times, Philadelphia, Pa.
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ifS.oo. With "LitteU's Living Age," %lo.so ; regular price, %l2.oo. Postage prepaid on all.
Address
SHELDON d- CO., 677 BROADWAY, NEiV-YORK.
STAR
FIRE INSURANCE COMPANY,
No. i6i BROADWAY, N. Y.
Cash Capital, ".TTT" 7~ $200,000.00
Cash Assets, oct. i, 1875. 40 0,773 .50
Net Assets j i^:Sg^^f;::;;3S j ■^■- 302,099.35
OFFICERS.
NICHOLAS C. MILLER, Pres't. JOHN R. FLANAGAN, Vice-Pres't-
JAMES M. HODGES, Seeretary.
Fire Insurance Company,
130 BROADWAY, New-York.
Ckf([] dkpitkl, $300,000
>^m'.pltv'^, 205,000
^J^otal ^^^ctyi,
MARCUS F. HODGES, President.
$405,000
SAMUEL M. CRAFT, Vice-President.
JOHN D. MACINTYRE, Secretary.
No. 172 Broadway, cor. Maiden Lane.
EXCHANGE
FIRE INSURANCE COMPANY,
ORGANIZED 1853.
Assets, $4075010.00.
ASHER TAYLOR, Vice-Pres't.
a. W. MONTGOMERY, Sec'y.
Having met promptly, all Losses, and maintained its Capital and Integrity intact through
the disasters of Troy, Portland, Chicago, Boston, and all the vicissitudes of the past Three and
Twenty Years, without the "calling in" from the Stockholders, or "making up" for impair-
ment of capital, or for " Surplus" to the amount of a single Dollar ; and now, in a sound and
flourishing condition, and having added Fifty Thousand Dollars to its reserved surplus
within the last twelve months, this Company is making Insurance against Fire at Standard, fair
rates, and with prompt and liberal Adjustment of Losses.
THOMAS B. PECK, Ass't Sec'y. »• CABMAN COMBES, Pres't.
We endeavor to conduct our business on principles which tend to promote with our dealers
continued good will.
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FIRE INSURANCE COMPANY
Of the City of Ne^^r-York.
Office, No. 166 Broadway.
(CHARTERED IN 1852.)
able terms.
Oapital$200,000
WM. A. ANDERSON, President.
[ C. W. PARMELEE, Secretary.
DIRECTORS.
Wm. A. Anderson,
John C. Martin,
C. Abernethy,
Henry Van Schaick,
Wm. A. Thomson,
F. Lawrence,
W. W. Phelps,
0. G. Walbridge,
E. H. Owen,
J. B. Rumrill,
George B. Greer,
L. Bayard Smith,
Isaac N. Phelps,
Czar Dunning,
James Stokes, Jr.
W. 0. Woodford,
Samuel Colgate,
James M. Jones,
Elward Smith,
Elbert A BrinckerhofT,
William Barton,
James Stuart,
Charles B. Colton,
Samuel Hutchinson,
W R. Vermilye,
Joseph Slagg,
Harman Blauvelt,
Lester A. Roberts.
A. R. Van Nest,
i'i.
J This Company has been in successful operation twenty-four years, and has paid all its i
J losses; including those of the great conflagrations of Troy, Portland, Chicago and Boston, j|
I promptly, and in full, and continues to insure against Loss or Damage by Fire on reason- ||
TIME TESTS ALL THINGS."
-J
ORGANIZED 1845.
PURELY MUTUAL.
THE
New-York Life Insurance Company
CASH ASSETS, OVER
ANNUAL INCOME, OVER
*30,000,000 *8,000,000
AGE.
EXPERIENCE.
STRENGTH.
THE COMPANY'S HOME OFFICE, 346 and 348 Broadway, New- York.
The New-York Life Insurance Company has been doin.a: business for thirty-one years, and now
offers to those desiring insurance all the advantasjcs that great experience, a well-established business and
reputation, and carefully jierfected plans, can afford.
During the last thirty years this Company has issued over IIS.OOO policies, received ever CO million
dollars in Premiums, and paid over 30 millions in Death-Claims, Cash Dividends and Return Premiums.
Its present Assets are over JtO million dollars, securely invested and rapidly increasing.
The large amount of Assets now held by the Company, the large number of policies in force on
carefully selected lives in the most healthful parts of North America and Europe, and the long experience
of its officers and managers, place its stability and future prosperity beyond a doi.bt. Having no capital
stock or stockholders, its policy-holders receive their insurance at its actual cost, and reap all the advantages
of insurance in a company in which expenses and death-losses are reduced to the minimum.
The New-York Life has been progressive as well as prudent, and has proved itself the friend of the
unfortunate in the methods by which it has secured the benefits of life insurance to the people. The entire
system of non-forfeiture policies, by which millions of dollars have been saved to policy-holders, originated
with this company in i860; and in 1871 it so combined the Tontine principle in the distribution of surplus
with the principle of insurance as to obviate many of the objections heretofore made against life insurance.
The managers of the New-York Life need give no better promise for the future of the company than
is found in its past success. Persons who desire insurance, and value age, experience, and approved methods,
as a guaranty of successful results, are invited to examine the claims of the Company, especially the
Xontine Investment Policy, which has received the unqualified approval of the ablest actuaries
and the most experienced business men.
Medical Examiners.
CORNELIUS R. BOGERT, M. D.
GEORGE WILKES, M. D.
CHARLES WRIGHT, M. D., Ass't Medical Examiner.
MORRIS FRANKLIN, President
WILLIAM H. BEERS, Vice-Pres. &' Actuary.
THEODORE M. BANT A, Cashier.
D, O'DEIjIi, Suit. 0/ Agencies.
FRANCIS HART & CO., Printers.
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FIRE INSURANCE COMPANY
Of the City of New- York.
Office, 166 Broadway.
(CHARTERED IN 1852.)
This Company has been in successful operation twenty-four years, and has paid all its
losses, including those of the great conflagrations of Troy, Portland, Chicag-o and Boston,
promptly, and in full, and continues to insure against Loss or Damage by Fire on reasonable
terms.
Capital ^200,000
WM. A. ANDERSON, President.
C. W. PARMELEE, Secretary.
DIRECTORS.
Wm. A. Anderson
Wni. A. Thomson,
Isaac N. Phelps,
Samuel Colgate,
William Barton,
W. R. Vermilye,
A. R. Van Nest,
I
^\
John C. Martin,
F. Lawrence,
J. B. Rumrill,
Czar Dunning,
James M. Jones,
James Stuart,
Joseph Slagg,
C. Abernethy,
W. W. Phelps,
George B. Greer,
James Stokes, Jr.~
Elward Smith,
Charles B. Colton,
Harman Blauvelt,
Henry Van Schaick,
O. G. Walbridge,
L. Bayard Smith,
W. O. Woodford,
Elbert A. Brinckerhofl",
Lester A. Roberts,
Lewis Francis.
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Farragut Fire
Insurance Company
OF THE CITY OF NEW-YORK,
No. 346 Broadway.
Branch Office, No. 61 Liberty Street.
Capital,
Re-insurance Reserve,
Unpaid Losses,
Net Surplus,
Total Assets, .
$200,000.00
66,868.77
3,025.00
163,945,87
$433,839.64
JOHN M. FURMAN, President.
JOHN K LEFFINGWELL, Vice-Pres't SAMUEL DARBEE, Sec'y.
DIRECTORS.
JOHN M. FURMAN President.
E. E. EAM ES H. B. Claflln & Co.
PHII.O C. CALHOUN. . . Pres't Fourth Nat'l Bank.
WM. H. BEERS Vice-Pres't N. Y. Life Ins. Co.
N. D. MO RGAN .'. Brooklyn.
CHARLES WRIGHT, M. D....N. Y. Life Ins. Co.
SEYMOUR L. HUSTED, Pres. Dime Sav. B'k B'klyn.
ECKFORD \VEBB, Late of Webb, McLouglilin & Co
JAMES L. BOGERT New- York.
CHARLES A. DENNY Denny, Poor & Co.
WM. H. STEWART Chase, Stewart & Co.
JOHN E. LEFFINC
1 WM. W.VrSON, Jr Watson, Townley & Co.
j MARCUS F. HODGES, President Hoffman Ins. Co
I W. F. SHIRLEY New- York.
! A. H. GODWIN Patcrson, N. J.
' JAS. M. DUNBAR J.imes L. Little & Co.
S. S. FISHER Manufacturer.
: GEORGE H. JONES New- York.
J. EMILE GOLL Newark, N. J.
SAMUEL COOPER 7 Pine Street.
STEWART L. WOODFORD Brooklyn.
; EVERETT CLAPP New-York.
IWELL, Vice-President.
W^;mz^>- =:>oCS?S^°3CKrS^;?5:?>>o= ^^ — ^^^^^C**
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FIRE INSURANCE COMPANY,
OF NEW- YORK.
Trinity Building, 111 Broadway.
ORGANIZED 1833.
Assets, Nov. 1st, 1876, $425,000
Capital, - - - $210,000
Surplus, - - - 215,000
Buildings, Furniture and Merchandise insured upon die most
favorable terms.
SAM'L TOWNSEND, President.
D. J. BLAUVELT, Secretary.
, - V^
=>«B$gjOCS8©>«o-
HARPER'S PERIODICALS.
All of these are illustrated in the best style, and are beautiful specimens of artistic and mechanical
work. We doubt if any other pubhshing house in the world does so much for the education of the
people. These periodicals are always on the side of good morals, good citizenship, and good
go\-ernment. — The Methodist.
HARPER'S MAGAZINE.
A Complete Set of Harper's Magazine, now comprising 53 Volumes, in neat Cloth binding, will be
sent by express, freight at expense of purchaser, for $2.25 per volume. Single volumes, by mail,
post-paid, $3.00; in Half Calf, $5.25, Cloth cases, for binding, 58 cents, by mail, post-paid.
Publishers and Editors both appear to understand
the needs of the popular mind, even those needs of
which many people are unconscious themselves.
They aim to awaken a taste for knowledge as well as
to gratify it, and their system in doing this is to make
knowledge entertaining. The Magazine penetrates
into the log-liousesof Western farmers as well as into
city drawiug-rooms. Its comprehensiveness makes it
acceptable to everybody who is pleased by pictures,
and who lia.s nny love of reading. The serial novels
by eminent English and American novelists, the short,
bright, and telling stories of American domestic life,
the profusely illustrated articles of travel and advent-
ure, the carefully prepared essays on political, histor-
ical, and scientific subjects, the wealth of rich and
racy reflection in "The Editor's Easy Chair" anil of
anecdote iu "The Editor's Drawer," are among its
constant attractions to the general reader — liostmi
Globe.
The character which this Magazine possesses for
variety, enterprise, artistic wealth, andliteraiy cult-
ure that lias kept jiace with, if it has not led, the
times, should cause its conductors to regard it witli
justifiable comjilaeency It also entitles them to a
great claim upon the public giatitude. Tlie Maga-
zine has done good and not evil all the days of its
life. —Brooklyn Eagle,
HARPER'S WEEKLY.
The Annual Volumes of Harper's Weekly, in neat Cloth binding, will be sent by e.xpress, free of
expense, for $7.00 each, and in Half Morocco on receipt of $10.50. A complete Set, comprising
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The Weekly is the ablest and most powerful illus- 1 organ of opinion is simply tremendous. The ablest
trated periodical published iu this countiy Its edi- j description cannot equal the impression given by a
tnrials are scholarly and convincing, and carry much striking picture, and while the written or spoken
weight. Its illustrations of current events are full words are soon forgotten, the imxiression made by the
and fresh, and are prepar. d by our best designers. artist is indelible. The IVeekly maintains a positive
With a circulation of lcO,000, tlie Weekly is read by position, and expresses decided views on political
at least half a million persons, and its influence as aii ' and social problems. — LouisvUJe C urier-Journal,
HARPER'S BAZAR.
The Nine Volumes of Harper's Bazar, for the
rocco Cloth, will be sent on receipt of cash at
purcliaser. Single volumes, in Cloth, $7.00
$1 00, by mail, post-paid.
The Bazar is the organ of the fashionable world,
and the expounder of that world's laws, and it is the
authority in all matters of manners, etiquette, cos-
tume, and social habits. It fills a place that no other
publication ever has even sought to fill, and does so
because of the amplitude of its range and from its
breadth and extent of view. — Boston Traveller
The Bazar commetxls itself to every member of the
household— to the children by droll and pretty pict-
years 1868 to 1876, elegantly bound in Green Mo-
the rate of $5.25 per volume, freight at expense of
Half Morocco, $10.50. Cloth Cases for binding,
ures, to the young ladles by its fashion-plates iu end-
less variety, to the provident matron by its jjatteins
for the children's clothes to 7/(/««//a»ij7ms by its taste-
ful designs for embroidered slippers and luxurious
dressing-gowns. But the reading-matter of the Bazar
is uniformly of great excellence. The pa))er has ac-
quired a wide popularit.v for the fireside enjoyment
it affords, and has become an established authority
with the ladies of America.— i^rcnnit/ Post, N. Y.
HARPER'S MAGAZINE, WEEKLY, AND BAZAR.
One Copy of either for Otte Year, $4,00, Postage Prepaid.
Harper's Magazine, Harper's Weekly, or Harper's Bazar will be sent for One Year to any Subscriber in
the United State; or Canada, Postage Prepaid, on receipt of Four Dollars by the Publishers.
The three publications, the Magazine, Weekly, and Bazar, will be supplied, for One Year, for $10.00 in one
remittance: any twoofthem for $7.00: postnge free.
All E.\tra Copy of either the Magazine, the Weekly, or the Bazar will be supplied gratis to every Club of
Five Subscribers who send $4.00 each m one remittance; or Six Copies, without extra copy, of either publication,
for !f 20.00; postage free.
In remitting- by mail, a Post-Office Order or Draft payable to the order of Harper & Brothers Is prefer-
able to Bank Notes, since, should the Order or Draft be lost or stolen, it can be renewed without loss to the sender.
The Post-Office Department recommends that, when neither of these can be procured, the money be sent in a
Registered Leiter. The registration fee has been reduced to ten cents. All Postmasters are obliged to register
letters "when reij7icstrd Address
HARPER & BROTHERS, Franklin Square, New- York.
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SAFEGUARD
Fire Insurance Company,
15Q Broadway, New-York.
Entered, according to Act of Congress, in the year 1872, by the SAFEGUARD FIRE INSURANCE Co.
in the office of the Librarian of Congress at Washington.
Cash Capital, $200,000.
Cash Assets, $425,000.
This Company ofifers to the owners of desirable property to be insured
against loss or damage by Fire, the protection of its "Safeguard" policies.
THOMAS C. DOREMUS, President.
JAMES YEREANCB, Secretary.
DIRECTORS
THOMAS C. DOREMUS.
DAVID STEWART.
E. A. HAYT.
WM. A. HADDEN,
DEMAS BARNES.
CHARLES MALI.
RICHARD W. HURLBUT.
EDGAR S. VAN WINKLE.
A. A. LOW.
HENRY IVISON.
ELISHA BROOKS.
AUGUSTUS SCHELL.
WM. C. ARTHUR.
JOSEPH S. LOWREY.
ROBERT R. WILLETS.
HENRY SCHUBART.
WM. H, SLOCUM.
WM. BRYCE.
WM. L. ANDREWS.
BENJ. F. WEBB.
L. MURRAY FERRIS, Jr.
THOMAS GARDINER.
J. HENRY LANE.
JOHN C. HAVEMEYER.
EDWARD B. BARTLETT.
WILLIAM H. CASWELL.
JAMES YEREANCE.
CALEB B. KNEVALS.
^mi^^igs^-
SAMUEL WILLP:TS.
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P. O. Box 3994.
Akmory,
KEMINGTON'S
Breech-Loading
RIFLES,
LONG RANGE. "Oreedmoor."
As used by the Bifle Teams.
I\o. 1 Pistol-grip stock, vernier and wind-gauge sights, P«'ce
34 inch barrel, 10 lbs. weight $100.00
r\'o. 2 Sporting pistol-grip-pattern stock, vernier and
wind-gauge sights, 34 inch barrel, JO lbs. weight. . 7.5.00
]\o. {{.......Military stock, vernier and wind-gauge sights,
34 inch barrel, 10 lbs. weight '. . . . 55.00
Exti'a Same as No. 1, except rubber butt and tip, and
check'd fore-end, including spirit level and 2 ex. disc. 125.00
Superior. .Same as extra, except selected, curly, polished
stock .■ 150.00
I%'o.
r%o.
i^O.
i^o.
]\o.
I\o.
.Ao.
MID-RANGE. "Wimbledon."
44-77, 45-70 aud 50-70. 28 in. 30 in.
O Sporting stock, ordinary peep <fc globe sights, $39.00 $41.00
1 Sporting stock, improv'd peep <fc globe sights, 44.50 46.50
3 Sporting pistol-grip- pattern stock, improved
peep and globe sights 50.00 52.00
:S Sporting pistol-grip-pattern stock, improved
peep and wind-gauge sights 51.50 53.50
-k Sporting pistol-grip-pattern stock, vernier,
peep and wind-gauge sights 60.50 6-2..50
3 Sporting pistol-grip stock, vernier, peep and
wind-gauge sights 64.00 66.00
6 Sporting pistol-grip, fine stock, rubber butt
and tip, checked fore-end, vernier, peep and
wind-gauge sights 75.00 77.00
SHORT-RANGE. "DoUymount. '
40-50, 40-70 C. F., 46, 44, 38 R. F. 26 in. as in.
O Sporting stock, ordinary peep & globe sights, $37. 00 $39.00
1 Sporting stock, improv'd peep & jjlobe sights, 42.50 44. .50
2 Sporting pistol-grip-pattern stock, improved
jieep and globe sights 50.00 52.00
a Pistol-grip stock, improved peep and globe
sights 54.00 56.50
4L Pistol-grip stock, vernier, peep and wind-
gauge sights 62.00 64.00
Spoi-fiMg'— 38, 44, 46 Rim-fire; 40, 44, 45 and 50 Center-
fire ; 26 in. $32, 28 in. $34, 30 in. $36, 32 in.
4RSiIler:»- . —22, 32, .38 Kim-fire 34.00
38 Rim-fire, special
;?Iilitary — United States model and Spanish model.
Same, with bayonet.
38.00
32.00
20.00
16.50
I8..")0
Springfield mooiel $13.00 $15.00 wit.li bayonet.
" Egyptiiin model 17.00 20.50 with saber.
'• Civil Guard 17.00 20.50 "
" Carbine 16.00
Send for Illustrated (.'alalogue. Addrcs.s
E. REMINGTON & SONS,
LK.N, N. Y. 283 Broadway, N. Y.
2:-36h3$&>>^-
New- York
Produce Exchange
Insurance Company,
110 Broadway 1 27 Pearl St,
NEW-YORK.
Cash Capital
$200,
000.00
A SHARE OF YOUR PATRONAGE IS SOLICITED.
DIRECTORS.
Warren Harriot, Pres.
Henry O. Havemeyer,
Thos. J. Havemeyer,
Chas. H. Senff,
Francis A. Palmer,
Chas. Burkhalter,
Louis J. Belloni, Jr.
QuENTiN McAdam,
Samuel W. Harriot,
F. C. Havemeyer, Vice-Pres.
Levi Apgar,
Elias a. Day,
Wm. R. Fosthr,
Jacob Badger,
Alex. E. Orr,
Josiah M. Fiske,
Fred'k Hazei.ton,
George S. Hart,
Rob't R. Willets,
Henry H. Baxter,
John W. Close,
Alanson T. Briggs,
William C. Dewey,
Geo. F. Gantz,
Geo. H. Roberts.
S. W. Wendover, Secretary. Wm. E. Maltbie, Ass't Sec'y.
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COLLINS & BROTHER,
PUBLISHERS,
BOOK-SELLERS
AND
ST^TIOiSTERS,
414 Broadway, New-York.
Mercantile Printing. Lithography, Binding ; Blank Books of every
description ; Counting-house Stationery, School and
Miscellaneous Books, wholesale and retail.
inkn ; ^\m& Janrg jjgpg
f^tabli^hm^nl
BARRETT, NEPHEWS & CO.
BRANCH offices:
R<^7lnhn^t MY f 47 North 8th St., Philadelphia.
U 06 / JOnn oil J IN I Ti illOW. Baltimore St., Baltimore.
BRANCH OFFICES :
1142 Broadway, New-York.
279 Fulton St., Brooklyn.
All kinds of Ladies' and Gentlemen's Clothing dyed or cleaned.
Ladies' Dresses, Cloaks, &c., of every color, cleaned.
Gentlemen's Overcoats, Pantaloons, Vests, &c., cleaned or dyed without ripping apart.
Kid Gloves and Feathers dyed or cleaned. Shades and Curtains cleaned, &c.
BARRETT, NEPHEWS & CO., Principal Office, 5 &7 John St., N. Y.
DR. T. FELIX G-OURAUD'S
ORIENTAL CREAM OR MAGICAL BEAUTIFIER.
This popular Cosmetic has long maintained (thirty-three years) a high and prominent place in public estimation,
and in fashionable ladies' boudoirs, not alone for its extraordinary be:iutifying effects on the skin and complexion,
removing Tan, Freckles, Sallowness, etc., but also for the innocence and purity of its ingredients.
Dr. Q-OUraud's Oriental Cream has not been heralded by inflated advertisements, nor is it the creature of
paid-for puffs ; it stands on its merits alone, and with intelligent purchasers it is sought after in preference to the
host of cheap and vile preparations flooding the market, denounced by the Board of Health, Dr. Louis Sayres,
Dr Uoremus, and others. *
Dr. G-Oliraud is daily in receipt of druggists' orders from distant parts relating that lady residents in their
localities, and especially ladies traveling, who have used the article, and who liave recommended it from one to
another, imploring said druggists to order some from Dr. G., and which they are ultimately obliged to do.
It IS a luell-establisliedjfact thai the cupidity of many druggists prompts them to recommend an article to ladies,
not /rotn its intrinsic good qualities, but from the larger profits to be made on its sale. Dr. G. concedes that his
margins are ttot as large as many ?nerchants nlloiu, nor does he intend they shall be. A truly valuable cosmetic,
such as the Oriental Cream, luill be prized, and the ladies will hai'e it, ezren if obliged to order it direct from Dr. (.',..
at his only depot in New- York, 48 Bond Street.
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STATEMENT
NASSAU FIRE
INSURANCE COMPANY,
OF BROOKLYN.
Offices:
30 COURT STREET, BROOKLYN. 173 BROADWAY, NEW-YORK
JANUARY 1ST, i876.
Csi»<li Csi.pita.1,
Reserve ibi* Ke-Iusiirsince, .
Reserve ibi* Unps&i<l I^osses,
rVet Surplus over all L<isi1>ilities,
ASSETS.
ITnite<l States Bonds,
IfioiKls aiKl iVIortgfag-es,
l>eniaii(l I^oaus,
Stoclcs and 15on<ls,
^'aslt on liand,
Preniinnis in eonrse oi* Collei-dioba.
Accrued Interest,
$dOO,000.00
i,»oo.oo
$513,214.86
. !^110,37.'».00
97,NOO.OO
9,100.00
»,r03.7»
!»,:t74.73
$513,214.86
THOS. B. JONES, President.
WM. T. LANE, Sec'y. THOS. M. HARRIS, Ass't Sec'v.
A. A. Low,
H. B. Clafli.n,
John T. Martin,
John Halsey.
Wm. C. Fowler,
L. M. Sheldon,
Jas. a. H. Bell,
Geo. B. Archer,
HORSBURGH ZaBRISKIE,
John J. Vanderbilt,
"H. D. Polhemus,
A. J. Beekman,
^,r5>i?>»^F=i^
DIRECTORS.
John W. Hunter,
Alex. G. Johns,
Foster Pettit,
John French,
H. K. Corning,
Thos. Sullivan,
Silas Ludlam,
James Weaver,
"Chas. H. Baxter,
Henry Hagner,
B. Valentine,
John A. Lott,
'«3$f;:20C33S»--
Cyrus P. Smith,
S. L. Husted,
H. C. Murphy,
Alex. Underhill,
Geo. a. Thorne,
Thos. Stratton,
E. L. Bushnell.
Alex. McCue,
Daniel McCabe,
Stephen Linington,
Thos. B. Jones.
I
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NEW-YORK NEWS PUBLISHING CO.
PUBLISHERS OF THE
NEW-YORK DAILY, WEEKLY AND SUNDAY NEWS,
Und Sages and Sonntags-JRachrichtm.
NEW-YORK NEWS BUILDING, 19 CITY HALL SQUARE.
BENJAMIN WOOD, Editor. | N. S. MORSE, Business Manager.
THE NEW^-^rORK D^ILY^ ISTEAV^S,
PUBLISHED EVERY AFTERNOON. PRICE, ONE CENT.
Mail Subscription Rates :
One Year, $3.00; Four Months, $1.00. Newsdealers supplied at the rate of fifty cents per hundred.
THE NE^W-YORK TS^EEKLY ISTEA^^S,
PUBLISHED EVERY" WEDNESDAY.
Mail Subscription Rates :
Two Dollars for one copy, one year, fifty-two issues.
For $9.00, received at one time, five copies will be sent to the names of subscribers.
For $15.00, received at one time, ten copies will be sent to names of subscribers , and one copy extra to the getter-up
of the club.
For $25.00, received at one time, twenty copies will be sent to names of subscribers to one post-office; and one copy
extra to the getter-up of the club.
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PUBLISHED EVERY SUNDAY.
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Tlie Daily News has the largest circulation of any Daily published in the United States. We are willing to
show our books to any advertiser who wishes to examine them, to satisfy him that what we say is correct. The price
charged for advertisements in the Daily NewS is no more, and in some cases it is less, than the price charged by
journals which have not more than half or even one-third the circulation of The Nevrs. Advertisements inserted in
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THE DAILY NEWS IS NOW THE CHEAPEST ADVEETISING MEDIUM IN EXISTENCE.
The Weekly News has a good circulation. Merchants, Manufacturers, Patent Medicine Dealers, and all
classes of business men, will find its columns a veiy valuable medium to adverti.se in.
The Sunday News has a large circulation throughout the city and along the lines of the railroads leading
from the city Advertisements inserted on liberal terms — at lower rates than in any other Sunday paper published,
when circulation is taken into ccjnsideration
Die Tages-Nachrichten has the largest circulation of any German Daily Newspaper published in the world.
Die Sonntag'-Nachrichten has the largest circulation in the city of any German Sunday paper issued.
All classes of Merchants and Dealers who are seeking for German trade will find advertisements in the columns
of The Tages and Sonntag-Nachkichtbn reach a larger number of readers than they would by any other channel.
gS;<J5#6:5^>-' —
'>oCV32:£^3iCB?5:^So<:;=-
<:=-:='$©^"~;§i
m^%%Z^>- -=o<g85o26r33g>c= — — C=3?^^iP
( IT»irCOR.F»OK, J\.TEI3 1 838.)
National Fire
INSURANCE COMPANY,
No. 5Q Wall Street.
NEW-YORK. ^ r BROOKLYN.
7}^ Cooper Institute, i BRANCH OFFICES. ) 377 Fulton Street.
2297 Third Avenue. ) (43 Broadway.
Cash Capital, ----- $200,000
Cash Surplus, June 30, 1876, - - 226,391
Total Assets, ----- $426,391
DIRECTORS.
George Bell Retired.
Samuel Lord Senior of Lord & Taylor.
Gerardus Boyce Retired.
Henry T. Drowne President.
Chas. Watrous Watrous & Willson.
Wm. H. Macy Prest. Seamen's Bank for Savings.
Wm. G. Ward Banker.
C. F. SouTHMAYD Evarts, Southmayd & Choate.
Jeremiah P. Robinson J. P. & G. C. Robinson.
Henry Rowland Rowland & Co.
H. E. Nesmith Nesmith & Co.
Warren Ackerman Retired.
J. M. Thorburn J. M. Thorburn & Co.
HENRY T. DROWNE, HENRY H. HALL,
President. Secretary.
%®^i^gsS=-«'~— -=^<x38$36c$i$S>»=-
gg^@$3^^— <^<KB$63gE3s>c= -^^^^em^M
THE NEW- YORK TRIBUNE
THE LEADING AMERICAN NEWSPAPER.'
Largest Circulation amongthe Best People.
I.— It piiWislies all tlie novs. The servant of no man, and the slave of no party,
it can afford to, and does, tell the truth about all.
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to instruct voters to the wisest discharge of their responsibility.
III. — Its aiLOi'al tone i* pni*e an«l elevate*!. The family circle is never profaned
by anything which appears in the columns of The Tribune.
IV. — Xlie ciioicest stanilai-d antl em-i-ent Ijitei'atwre of the day is pre-
sented in its columns, including Correspondence, Poems, Stories, and Reviews from the most
talented and popular writers.
v.— It is tite l>est and clieapest Farmers' paper pul»lislied. " The
Weekly Tribune " has done more to make good farmers than any other influence which ever
existed.
VI.— Tlie Market Reports of THE TRIBIJI^E are indispensal>le
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article bought and sold in the markets of the world, and with unvarying and almost infallible accuracy.
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enterprising^ and progfressive minds of tlie country. Persons who are
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their demands met by The Tribune.
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pendent and self-respectfiil course of THE XRIBIT]\E. It has a larger
and stronger corps of earnest workers among its friends than ever before, and constantly receives
from old and new readers words of encouragement.
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THE TRIBUNE, NEW-YORK.
^:^•i•^^@^^:^-
--.-c^^^P
OFFICE OF
The New-York Mercantile Journal Co.
350 Pearl St. (Franklin Sq.) N. Y.
Publishers of
P. O. Box 1919.
THE DRY GOODS JOURNAL (weekly, per vear), $2.50 THE DRUGGISTS' JOURNAL (weekly, per year), $2.50
THE GROCERS' PRICE-CURRENT, " " " 2.50 THE HARDWARE PRICE-CURRENT, " " " 2.50
THE N. Y. MERCANTILE JOURNAL (containing all the markets, weekly, per year), $4.00
If jjalil promptly, a dedui'tiou of .50 ceuts from the yeai's wiihscription will he made.
TO MERCHANTS, MANUFACTURERS AND OTHER BUSINESS MEN,
We take pleasure in commending to yoiu' attention tlie publications of The New-Vork Mercantile
Journal Company, embracing. "THE N. Y. MERCANTILE JOURNAL,," "THE DRY-GOODS
JOURNAL," "THE GROCER!-!' PRICE-CURRENT, " "THE HARDWARE PRICE-CUR-
RENT," and "THE DRUGGLST.s' JOURNAL."
Comraendation is due not only for the commeicial information furuislied, but esijecially also for their ai)le
advocacy, through mauj' years past, of Currency Reform in the face of strong ojiposition.
Thomas W. Furry,
.John B. Gordon,
John A. Logan,
W. C. WhittuoHNE,
Wm. D. Kellky.
Moses W. Field,
A. H. BncKNER
W. S. HOLMAN,
John J. Davis,
T. L. CuiTTKNDBN,
K. O. Stanard,
John Cobdrn,
Wm. Williams,
Morton C. Hn.NTEa,
G L. Fort,
John W. Hazklion,
A CoMiNKo,
W. G DoNNAN,
Wm. LouctHridge,
J. R LoFLAND,
H E. Havens,
Benj. F. Butler,
John Cessna,
l. i). woodworth,
M. H. DlINJJEI.L,
S. O. Houghton,
Lemdbl Todd,
E. McJlINKlN,
J. D. .Stkawbridge,
H. L. Richmond,
Amos Clark, Jr.,
J. C. Burrows,
O. D. Conger,
SoBiESKi Ross,
J. D. C. Atkins,
Charles Albright,
James S. Biery,
Sam'l a. Dobbins,
T. J. Cason,
Thos. Whitehead,
Geo. W. McCrary,
C. N. Lamison,
J. B. Packer,
and many others.
It gives the undersigned special pleasure to indorse the foregoing commendatioti nf The New- York Mercantile
Journal C^Oinpany'8 publicatio7is by members of Congress, adding that, since the Currency i^uestittn is the most
important secular mutter before the country, the papers iiamed— which contain a large amount of valuable commercial
and financial information, and Are Excellent Mediums for Advertising — ought to receive the cordial support
of the business community.
GEORGE OPDYKE,
H. B. CLAFLIN,
GEORGE T. HOPE,
JACKSON S. SCHULTZ,
SHELDON GOODWIN,
PLINY FREEMAN,
DANIEL C. ROBBINS,
JNO. F. HENRY, CURRAN & CO.
WM. H. SCHIEFFELIN & CO.
BELCHER, PARK & CO.
E. & 0. WARD.
W. R. MrrCHELL & CO.
WM. M. HALSTED,
P. VAN VOLKENBURGH & CO.
W. L STRONG & CO.
TEFFT, GRISWOLD & CO.
L. M. BATES & CO.,
and many others.
A WEIGHTY REASOK
A weighty reason why all business mcnslioulil patronize the publications of The New- York Mercantile
Journal Co.— l>ey"nd obtaining a knowlcdf^c of euriciit evi-nts which liave Direct reference to Commercial
aiKl Financial aflairs—will be leaililj appicciatnl ujkui a inoment's letlcction. It may be safely said tliat the
ailoption (incri'ly a question of time) ol National Paper .Mnne\' made a full legal tendiT, having its Value
Fixed and Volume Regulated, by irs interchangi'abilityat liolders' option with (Jovei-iimeut lionds beaiing
a tixeil. e(iuilal)lc. i-ate of interest, as a(lvo,'at<Ml \<v these nublieations (viz: The New- York Mercantile
Journal, The Dry Good.>i Journal, The I>ruggir«t!«' Jourual, The Hard'ware Price-Current and
The <Jrocers' Price-Curr«"nt), will Prevent Inflation, witliout producing iimlue idiitr.'iction, and thus
remove All Liability to Financial Panics such as in years past have so seriously distuilxMl the entire
industry of the country and entailed such tearful loss upon all. The most memorable of tliese iianics occurred
in lS:i' and IS.57. The loss to tlie nation through non-emplovment of labor (fora twelvemonth onlv) caused by
the panic of 18.i7 is variously ( stiimitii] at from sl.iOO.Od ',(iuo to •■?.:, i)00,00o,CKK), which, if distributed among the
merchants, would average Three Thousand Dollars Each, if wo tike onl.y the smallest sum— .'|l,.5O0,O0ii.0O0,
—and estimate the number of nieieh uits at .".OO.uoii, av one in eighty of <uir pcipiilation. In view of these facts,
is it not winth the while of All to ^vork earnestly to avert such disasters in future, as well as to
obtain present relief from embarrassments resulting from the peculiar panic of September, 1873 i
SALT A NECESSITY-WHAT IS ECONOMY?
Since Salt is not only necessary to health, but life itself, any man who would entirely dis-
pense with its use, in order to reduce his expenses from oue hundred dollars to ninety-nine
dollars and ninety-five cents per month, ^vould no doubt be considered eccentric, to say the
least, VVhat, then, oui^hl oue to think of the merchant who— because business is dull" and
money scarce— cuts olf bis (lommeicial and Financial Newspaper, the Salt of bis business
affairs < The man -tvbo JUDKIIOUSL V economizes is wise, but when he allows himself to
withhold bis seed-corn from the earth, with a view of hoarding it he makes a mistake.
^..^;?*^?^^5—
8
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Incorporated 1858.
FiREMEN'sFUND
Insurance Company
OF NEW-YORK.
No. 167 Broadway.
Cash Capital, - - - $150,000.00
Assets, ----- 225,000.00
This old established Company offers to the public safe and
reliable indemnity against loss and damage by fire.
Chas. E. Appleby, President
W. R. WADSWORTH, Secretary.
i
p-^ <:>«g3^:3CK3$s>>^^ — <:^smm%\
ORGANIZED 1858.
TRADESMEN'S FIRE
INSURANCE COMPANY.
Of the City of New-York.
Office, 168 Broadway.
Cash Capital, - - - $150,000
Cash Surplus, - - - 289,41 1
Assets, _ _ . . 439,411
Tlie action of this Company in reserving a large portion of its earnings
for the additional security of its policy-holders, is evidence of the sound business
principles upon which it is conducted. This course enabled it to pay In Full
all its losses occasioned by the great fires in Chicago and Boston. Its losses in
Boston alone were more than Double the Amount of its Capital.
Having withdrawn its Agencies, it is now paying greater attention to home
business. Property owners, before effecting insurance elsewhere, will find it to
their interest to call at the ofiice, i68 Broadway. Any information relatmg to
Fire Insurance cheerfully given.
T. Y. BROWN, D. B. KEELER,
Secretary. Preside/if.
m^m^^^-
-<><558^^36£3gg><==-
NEW-YORK EVANGELIST
For the "i^ear ISrV.
LETTERS FROM AROUND THE WORLD.
The New- York Evangelist will begin a new vol-
ume with Jan. i, 1877. It then enters upon its forty-
eighth year, and is therefore well entitled to be classed
with the very few publications which have survived un-
embarrassed the severest fluctuations of business, as well
as the vast changes in the political, moral, and religious
condition of the country. It has no reason to disguise
or be ashamed of its record on any of the great questions
which have agitated the Churches and the Nation.
Identified with a particular corps of our Lord's militant
host, it is quite content with these relations. J t loves the
order and strength of the Presbyterian Church, and seeks
the things that make for her peace and progress. Enter-
ing upon new conditions. The Evangelist has sought
the unity of the Church and the composure of differences
which have survived as the smouldering remains of a
great conflagration of war.
The Evangelist is taken chiefly by ministers and our
more intelligent and reliable Church Members. It has
lost many old subscribers by reason of death, but the
children's names have taken the place of the fathers'.
They have carried it from their early Eastern homes to
the Rocky Mountains, and beyond. It seeks to extend
its circulation everywhere throughout the Presbyterian
Church No longer shut out of the South, it asks for
new friends there as well as at the North and West.
An especially attractive feature of The Evangelist
the last year has been
The Letters of its Editor, Dr. Field,
Describing his journey
AROUND THE WORLD.
These Letters attracted great attention, and were
copied and quoted from, all over the country. They "will
be continued the cojning year. Those already published
have treated chiefly of Europe and of Egypt. Those
which are to follow will be upon the latter, and the most
interesting, part of the whole journey, embracing
India, Bukmah, Java, China and Japan.
Among the Contributors to The Evangelist are some
of the ablest and most popular writers in the country.
It has a large variety of Miscellaneous and Literary
reading, and special Departments for the Children, the Sun-
day-school, and readers interested in Rural and Scientific
information.
Terms : Three Dollars a Year, in advance, for which
the paper will be s=nt post-paid. New subscribers send-
ing the money at once will receive the numbers previous
to the new year free, their receipts being made out to
cover the whole of the year 1877.
Those who interest themselves in procuring ne^v sub-
scribers, will be allowed a liberal percentage.
Address
"■^W^]f7=^->—~
THE EVArVGEIilST,
(Box 2330) New-York.
A
t
BUSINESS
For Life Insurance Agents
in these dull times can be
found in canvassing for
"The Illustrated ^Weekly."
Its special recommenda-
tions to the Agent are, that it
makes rapid sales, requires
no capital, commissions are
paid instantly in full, and
the \vhole business closed
upon the spot. It involves
but a small sum in each
transaction, is neat, clean,
honorable, and lucrative.
Life Insurance Agents
have the experience that
insures success, and all
such make a mistake if
they fail to investigate this
subject.
Send forspecimen num-
ber and full particulars to
OH AS. CLUCAS&GO.
U Wane 11 St., New-York.
-=<<s58?=3Qs_'^^8&^
^^^^mmt^
f
STATEMENT.
EAGLE EIRE
Insurance Company
Of New- York.
No. 71 Wall Street.
CHARTERED IN 1806.
%^et^, Odtobet^ 1, 18^6, - - $§§^,448.^6
Ck^pitkl, . - - - . 300,000.00
Bui^cplu^, 58^,448.16
iJripkid I<o^^e^ ki\d f)iYi(iei\d^, - 8,^93.:^4
DIRECTORS.
John Q. Jones, A. J. Clinton,
Robert Ray, James A. Roosevelt,
Robert Lenox Kennedy, Henry Meyer,
William H. Aspinwall, J. Grenville Kane,
William H. Guion, Josiah B. Blossom,
W. B. Asten, Frederic W. Stevens,
John A. Livingston.
This Company insures acceptable risks on the Most Favorable Terms, adjusts
its losses Liberally and pays them Promptly.
T. J. GAINES, Secretary. A. J. CLUSTTON, President.
WM. BURNS, Assistant Secretary.
I — , „
®.^^@?^>
-'-XSeeS:^^:^®
THE
New-York Almanac
1877.
VtL
LU
^v.
CONTENTS.
Astronomical Phenomena.
Eclipses, etc ... 2, 3 | Calendars 4 — 26
Illustrations.
The Grave of William Penn 5,28
The Yol-ng American Farmer 7, 28
The Aquarium 9. 2g
Jealousy n, 29
May Dreams 13. 29
Giving Back His Ring 'S. 3°
The Life-Boat 17. 30
"She is not Dead, but Sleepeth" ... .19, 31
"How Beautiful is Night ! " 21, 31
A Gone Chipmunk 23, 32
Going to Thanksgiving 25, 32
In the Sere and Yellow Leaf 27, 32
Fireside Reading.
Little Snow-Drop 33 | The Cunard Service 34
Postal Information.
Domestic Postage 37 | Foreign Postage 38
Insurance Topics.
A Great and Good Work 39
Insurance vs. Money at Interest 40
C^ Illustrative Tables .41
Why Men Insure their Lives 42
Where Men Ought to Insure 42
A Great Success and its Causes 43
Table of Progress ■115
Different Forms of Insurance 46
id ^^
JAMES M. HUDNUT.
NEW-YORK:
Francis Hart & Company, 63 and 65 Murray Street,
(JoRNER College Place.
►gj:M?^g^>-
— ^r-5::
'<m
Entered, according to Act of Congress, in the year 1876, by FRANCIS Hart St Co., in the Office of the Librarian of Congress at Washington,
THE NEW-YORK ALMANAC.
^toiioimcaf 3^f)enaniena, d^.
Bv Berlin H. Wright, Esq , Penn Van, N. Y.
Eclipses,
There will be five Eclipses this year, three of the Sun,
and two of the Moon.
T. A total Eclipse of the Moon. February 27, invisi-
ble in North America.
II. A partial Eclipse of the Sun, March 14, invisible
in America.
III. A partial Eclipse of the Sun, August 8, invisible
m America.
IV. A total Eclipse of the Moon, August 23. The
Moon rising more or less eclipsed east of Nebraska to the
western boundary of South Carolina and Pennsylvania.
In all the Atlantic States the Moon will rise totally
eclipsed. See table.
' State.
Total Ends.
Boston
New Haven .
Hartford . . .
Concord
Albany
New- York . . .
Rochester . . .
Buffalo
Detroit
Trenton
Baltimore . .
Philadelphia .
Washington .
Richmond . . .
Raleigh
Charleston . .
Cincinnati . . .
Chicago
Madison
Springfield, III
Nashville ....
Louisville ....
New Orleans .
St. Louis ....
Des Moines. .
Lawrence ....
Austin
H. M.
7.15 Eve.
707
7.08
7-13
7.04
7- 03
6.48
6.44
6.27
7.01
6-53
6.59
6.51
6.49
6.44
6-39
6.21
6.09
6.02
6.01
6.21
6.17
5-59
5.58
545
S;38
Contact.
Eclipse
Ends.
H. M.
8. 16 Eve
8.08 "
8.09 "
8.14 "
8.05 "
8.04 "
7-49 "
7-45 "
7.28 "
8.02 "
7-54 "
8.C0 "
7.52 "
7-5° "
7-45 "
7.40 "
7.22 "
7. ro "
7-03 "
. 7.02 "
7.22 "
7.18 "
7.00 "
6-59 "
6.46 "
6.39 "
Contact.
V A partial Eclipse of the Sun, September 7, invisi-
ble in North America.
Plai^ets Brigljtest,
Mercury will be in the best position for visibility, Jan-
uary 7, May I, August 28, and December 22, setting
then after the Sun, also February 23, June 23, and Octo-
ber 15, rising then before the Sim. Venus, not this year,
but will be bright during December. Mars, September
5. Jupiter, June 19. Saturn, September 9. Uranus,
February 10.
lorning Stars.
Venus, until May 6. Mars, after April 24. Jupiter,
until March 22. Saturn, from February 28 to June 10.
Evening Stars,
Venus, after May 6. Mars, until April 24. Jupiter,
after March 22. Saturn, until February 28, and after
June 10.
Tl^e Four Seasons,
D, H. M. D. H. M.
Winter begins 1876, Dec. 21 5 46 M. and lasts 89 118
Spring " 1877, Mar. 20 7 4 M. " 92 20 6
Summer " 1877, June 21 3 10 M. " 931430
Autumn " 1877, Sept. 22 5 40 E. " 89 18 2
Winter "' 1877, Dec 21 1 1 42 M. Trop.yr. 365 5 56
HJovable Festivals, &c,
Septuagesima Sunday Januarj* 28
Sexagesima Sunday February 4
Quinquagesima Sunday February 11
Ash Wednesday F'ebruary 14
Quadragesima Sunday February 18
Mid- Lent Sunday March 1 1
Palm Sunday March 25
Good Friday .March 30.
Easter Sunday April i
Low Sunday April 8
Rogation Sunday May 6
Ascension Day May 1 o
Whit Sunday May 20
Trinity Sunday May 27
Corpus Christi May 31
Advent Sunday December 2
Chronological Cycles,
Dominical Letter G
Epact 16
Golden Number iC
Solar Cycle 10
Roman Indiction 5
Jewish Lunar Cycle ... 1 3
Dionysian Period .... 206
Julian Period 6590
Ember Days.
1. Wednesday, Friday, and Saturday after first Sun-
day in Lent — February 21, 23 and 24.
2. Wednesday, Friday and Saturday after Pentecost
— May 23, 25 and 26.
3. Wednesday, Friday and Saturday after 14th of
September — September 19, 21 and 22.
4. Wednesday, Friday and Saturday after the 13th of
December — December 19, 21 and 22.
;S^^@?^>'
THE NEW-YORK ALMANAC.
The Dominical Letter- holds the same numerical place
in the alphabet that the first Sunday in January does in
the days of the year. In case of a leap-year it retro-
grades one letter for all the months after February.
The Epact is the Moon's age at the beginning of the
year. The last New Moon in 1876 was December 15-
Nineteen years are verj' nearly equal to a whole number
of lunar months : hence, once in nineteen yeai"s the phases
of the Moon fall on the same days. These years are
numbered up from one to nmeteen, and the Golden
Nuinbey marks the position of the year in this cycle of
nineteen.
The Sola?- Cycle is a period of twenty-eight years, so
called because in the twenty-eighth year after any year
which may be taken, all the days of the week fall on the
same days of the month as they fall in that year. One
of these cycles was finished in 1867, and 1877 is the
tenth year in the ne.xt cycle. All the days of 1877 will
correspond with those of 1849.
The Romaii Indiction is a cycle of fifteen years, used
in the Middle Ages, but wholly chronological. The first
one began January i, A. D. 313.
The Julian Periodhe^ns when the indiction, the solar
cycle, and the lunar cycle all begin together, and is there-
fore 15 X 19 X 28 years in length, 7980 years.
Eras ai^d Cycles for 1877,
The year iSyj. ivhich comp>-ises the latter part of the
one hundred and first atid the beginning' of the one
hundred and second year of the Indepeiidejice of the
United States of A merica, corresponds to
The year 6590 of the Julian period;
" 7385-86 of the Byzantine era ;
" 5'-'37-38 of the Jewish era, commencing Sep-
tember 8 ;
" 2630 since the foundation of Rome, according
to Varro ;
" 2624 since the beginning of the era of Nabo-
nassar ;
" 2653 of the Olympiads, or the fourth year of
the C64th Olympiad ;
" 2189 of the Grecian era, or the era of the Salu-
cidse ;
" 1593 of the era of Diocletian;
" 1294 of the Mohammedan era, beginning
January i5th.
Calendar Explariations,
The time given in the Calendars under the head "Sun
Rises " is, of course, forenoon; that under "Sun Sets"
is always afternoon. In the columns of Moon's rising
and setting, the time of only one of these events is given
for each day — that one which occurs while the Sun is
down. When the word "rise.^ " is found in the column,
the Moon is at the full, and the figures following that
word are P. M., or evening, until the w(;rd "morn,"
which means midnight. Krom "morn " the figures are
A. M., the Moon rising in the morning b.-fore the Sun
is up. Then after the word "sets," the time of setting
is given, which grows later and later, from early evening
until early morning, until the Moon again is at the full.
Thus, taking the January Calendar, the Moon "rises"
steadily later and later, from 7.06 P. M., on the ist, to
7.11 A. M., on the 13th; then the "setting" time is
given from 6.04 P.M., on the 15th, to 6.08 A. M. on the
27th. Carefully noting this will avoid all confusion
which might arise from the absence of the signs A. M.
and P. M. In the column of "High Water," "eve"
means simply afternoon. From "morn" to "eve" is
forenoon ; from "eve " to " morn " is afternoon.
The Century Calendar,*
, January ! 3
I
2
2
3
3
4
S
4
6
0 j
I
5
6 ;
7
L
8
9
10
II
L
12
13
14
IS
L
16
17
lb
iq
L
20
21
22
23
L
24
25
26
27
L
28
29
30
31
L
32
33
34
35
L
3fc
37
^^
39
L
40
41
42
43
L
44
45
40
47
L
48
49
50
51
L
52
5^
54
55
L
S6
57
5«
5Q
L
60
61
62
63
L
64
6s
66
67
L
68
6q
70
71
L
72
73
?•+
75
L
76
77
78
79
L
80
81
82
»3
L
84
«S
86
87
L
88
89
90
91
L
92
93
94
95
L
9b
97
98
99
00
. February ' 6
.March 6
.April 2
.May 4
June o
July 2
.August . . 5
. September i
. October 3
.November 6
. December i
Sunday • i
Monday ' 2
Tuesday | 3
Wednesday . . . . ! 4
Thursday 5
Friday 6
Saturday o
* This Calendar was kindly furnished us for the Almanac by
the Author, E. M. ROBBINS, Esq., of this City.
To find what day of the week any date in this century
falls on. Find the year in the table, it being understood
that "i " standsfor 1801, "2" for 1802, etc. To the num-
ber over the year add the day of the month and the num-
ber set opposite the month on the right ; divide the sum
thus obtained by seven, and the remainder will be the day
of the week as numbered above. For leap-years, use the
figure over the "L" on the left of the year for January
and February, and the one over the year for the remain-
ing months.
Example: On what day did the loth of May fall last
year? Over 76 we find the figure 4, to this add 10, the
day of the month in question, and 4 which we find oppo-
site May; dividing 18 by 7 we have a remainder of 4,
which shows that the Centennial Exhibition opened on
Wednesday.
The number over the year in the table may be obtained
without the tabic, by adding to any year the number of
leap-years in the century up to that time and dividing by
seven ; the remainder will be the number required. So
if one can remember the numbers set opposite the months,
he can dispense with the use of the table entirely. In
the example above, the 4 over 76 is found by adding ly
to 76, and dividing the sum by .seven, the remainder is
four. For leap-years decrease the number thus obtained
by one (calling the cipher 7) if the date is in Januaiy or
February.
For the iSth century after 1752, find tiic day for the
corresponding year in this century and add two days.
►S^i^^gsD-"
■^o<<5$5536r3$S><>-
--C^2@^^g
THE NEW-YORK ALMANAC,
TOURING the month of January, 1876, the New-
-^ York Life Insurance Company paid
insurance- pohcies on the lives of thirty-three
persons. The whole amount paid was $136,886.
The whole amount that had been paid to the
Company by the holders of these policies was
$46,787.38. The gain to the families of the
deceased was $90,098.62. Thus they received
back all the money the policies cost, together
with 194 per cent, interest on the same.
" TTTHV do you not take wine with your dinner,
' ' Minnie?" asked a gentleman of a little
five-year-old at the dinner-table of a Saratoga
hotel. " Tause I doesn't like it." " But take a little
then, my child, for your stomach's sake," he
urged. " I ain't dot no tommick's ache ! " indig-
nantly responded the little miss.
A SKING questions is not necessarily a good
-^-^ thing. There must be reflection and an
active use of the senses accompanying every
inquiry of any value to the querist. And so it is
in looking for definitions. To do this impulsively
and to be satisfied with synonyms is not effective
work. The element of thought and of associa-
tion is wanting. Meanings thus acquired do not
become a permanent acquisition ; whereas thor-
ough effort seldom allows the necessity of refer-
ring to a definition a second time. — E. O. Vaile,
in Popular Science Monthly.
rpHOUGHTFULN ESS for others, generosity, mod-
-*- esty, and self-respect are the qualities which
make a real gentleman or lady, as distinguished
from the veneered article which commonly goes
by tHat name. — Prof. Huxley.
X
<
X !
£ 1
0
u
t.
0
<
<
0
I
2
3
3
4
4
S
6
5
6
7
8
7
8
9
9
10
10
ij
II
12
12
13
13
•4
14
15
16
•5
:6
17
18
'7
>9
'9
20
20
21
21
22
22
23
23
24
24
25
20
25
26
27
28
27
2?
29
29
30
30
31
31
calendar for
boston, n. y. state. new
England, Wisconsin,
Michigan, Iowa,
AND Oregon.
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
-Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
H. M.
730
7 30
7 30
7 30
7 30
7 29
729
729
7 29
729
729
7 28
7 28
7 28
I 7 27
I 7 27
1 7 26
! 7 26
7 25
j 724
'■ 724
j 723
I 722
7 22
7 21
7 20
7 19
7 18
7 17
7 16
! 7 IS
Calendar for
N. Y. ciTV, Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
OHIO, Indiana and
Illinois.
Calendar for
Washington,
Maryland, Ken-
tucky, VIRGINIA,
Missouri and
California.
Calendar for
Charleston, N. Caro-
lina, Tennessee. Geor.
GiA, alauama, Mississ-
ippi AND Louisiana.
Sun
Sun
Rises.
Sets.
H. M.
H. M.
725
4 43
725
4 44
725
4 45
725
446
72s
4 47
725
448
725
449
7 24
4 50
^24
451
724
452
724
4 53
723
454
723
455
723
4 56
7 22
457
7 22
459
7 21
5 0
721
5 I
7 21
5 2
7 20
5 3
7 '9
5 4
718
5 5
717
5 7
7 17
5 8
7 16
5 9
71b
S 10
7 15
5 II
7 14
5 13
7 13
5 14
7 12
515
712
5 16
H. M.
7 II
8 22
9 37
10 46
11 56
mom
1 2
2 10
3 15
4 22
5 23
0 18
7 S
sets
6 8
7 10
8 II
9 II
948
II 14
morn
17
1 24
2 35
348
458
6 I
rises
5 53
7 12
8 26
Sun Sun Moon
Rises. Sets. Rises.
H.M.
940
10 ?9
11 15
ev, 5
52
143
2 35
331
4 28
5 28
623 i| 7 19
7 12 ! 7 18
H. M.
7 19
7 19
7 19
7 19
7 19
7 19
7 19
7 19
7 19
7 19
756
839
9 22
958
10 32
11 6
II 44
morn
25
1 II
2 I
3 5
4 II
5 26
635
7 37
827
9 21
10 6
7 18
7 18
7 18
7 17
717
7 16
7 16
715
715
714
7 14
7 13
7 12
7 12
711
7 10
7 9
7 8
7 8
H. M.
4 49
4 50
4 51
4 52
4 52
4 53
4 54
4 55
456
4 57
458
4 59
5 o
5 2
5 3
5 5
5 6
5 7
5 8
5 9
5 10
5 II
5 12
5 13
5 15
516
5 17
518
5 19
5 20
H. M.
715
8 25
938
10 46
11 55
morn
59
2 5
3 10
4 16
5 16
611
657
sets
6 13
7 13
813
9 12
9 49
II 12
jmorn
I 14
1 19
2 29
3 41
4 51
5 54
rises
556
715
8 27
H. M.
7 5
7 4
7 4
7 4
7 4
7 3
7 3
7 3
7 3
7 3
7 3
7 2
7 2
7 2
7 2
7 I
7 I
7 0
7 0
7 0
659
658
658
657
657
656
Sun
Moon
Sets.
Rises.
H. M.
H. M.
5 5
729
5 b
834
5 7
9 43
5 7
10 46
5 8
II 50
5 9
morn
5 10
51
5 10
I 53
5 12
255
5 12
35b
5 13
4 55
5 14
5 49
5 15
b M
5 16
sets
5 17
6 27
518
727
5 19
819
5 20
9 14
5 21
9 50
5 21
II 7
5 22
morn
5 23
5
5 24
I 6
525
2 12
5 26
3 20
527
4 29
528
5 33
529
rises
5 30
6 8
5 31
721
532
8 29
H. M.
854
9 45
10 33
11 20
ev 5
56
1 49
2 45
3 43
4 43
5 37
6 27
7 14
7 56
835
9 12
948
10 23
1059
11 39
mom
24
1 15
2 19
3 26
4 41
5 49
6 53
7 44
834
9 20
Moon's Phases.
D.
Last Quarter,
6
New Moon,
14
First Quarter,
22
Full Moon,
29
Boston.
H. M.
9 33 Morning.
8 44 Morning.
II 9 Morning.
3 55 Morning.
New-York.
H. M.
9 21 Morning.
8 32 Morning.
10 57 Morning.
I 3 43 Morning.
Washington.
Charleston. Sun at Noon mark.
H. M.
9 9 Morning.
8 20 Morning.
10 45 Morning.
3 31 Morning
H. M.
8 57 Morning.
8 8 Morning.
10 32 Morning.
3 19 Morning.
7 3«
'o 35
12 45
— <^2@@©1S
--C^s?®©^®-
THE NEW-YORK almanac.
I'HE Grave of William Penn.
TT is worth while to remember the profound
-•- saying of Herder in answer to the vulgar aph-
orism, "No man is a hero to his valet de cham-
bre; " viz. : "This is not because the hero is not
a hero, but because the valet is a valet."
m^m^^>--
A Bible and a newspaper in every hous-,-,
-^-^ a good school in every district — all studied
and appreciated as they merit — are the principal
supports of virtue, morality and civil liberty.
— Benjamin Fran /din.
>g..-^^@gs^>— -
-=o<3$63a3g^>x:^
THE NEW-YOf^K ALMANAC,
T~AURING themonthof February, 1876, the New-
-*-^ York Life Insurance Company paid
insurance policies on the lives of forty-one per-
sons. The whole amount paid was $113,241.
The whole amount that had been paid to the
Company by the holders of these policies was
$36,995.91. The gain to the families of the
deceased was $76,245.09. Thus they received
back all the money the policies cost, together
with 206 per cent, interest on the same.
"TTTE have considered heroisms chiefly as some-
' ' thing visible and famous, and demonstra-
tive ; but you must not confound famous conduct
and heroic conduct. Fame may be good and it
may be bad. And so, it is very important that
we should understand, in speaking of this matter
of heroism, that, although a great act may have
more publicity on account of its connection with
great events, or on an eminent stage, after all, a
thing may be to the last degree heroic, and yet
be withdrawn from observation, and disconnected
from large events. — Henry Ward Beechcr.
rpHE young man about to marry ought to insure
T
his life, because in most cases he has not
enough property to support his family in case he
should die within a year. When women love
their husbands that are to be, well enough to
take the risk of poverty, men ought to requite
such affection by securing them, as far as possi-
ble, from poverty. Many can do this in no other
way than by life insurance.
M
AN may learn wisdom from a postage-stamp.
It sticks to its legitimate business.
Second Month.
Twenty-eight Days.
<
. W
>
si
H
2
0
s
ll.
CALENDAR FOR
BOSTON, N. Y.STATE,NEW
England, Wisconsin.
Michigan, iowa,
and oregon.
Calendar for
N.Y. CllY, PHILADELPHIA,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
Calendar for
Washington,
Maryland, Ken-
tucky, VIRGINIA,
Missouri and
California.
Calendar for
Charleston, N. Caro-
lina. Tennessee, Georg-
ia, Alabama, Missis-
! sippi and Louisiana.
>
<
>
<
<
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
Sun
Sun
Moon
H.W.
P
0
Q
Rises.
Sets.
Rises.
Boston
1 Rises.
Sets.
Rises.
N.Y.
Rises.
Sets.
Rises.
Rises.
Sets.
Rises.
Cli'n.
H. M.
H. M.
H. M.
H. M.
Jh. m.
H. M.
H. M.
H.M.
H. M.
H. M.
H. M.
H. M.
H. M.
h. M.
H. M.
.•i2
I
Thur
7 14
5 14
9 39
2 5
7 "
5X8
938
1047
7 7
521
9 37
655
5 33
9 34
10 5
.33
2
Fri
7 13
5 15
10 51
247
7 10
5 19
1049
II 29
7 fa
523
1047
6 55
5 34
10 40
1047
34
3
Sat
7 12
51b
morn
331
7 9'
5 20
II 58
ev.17
7 5
524
II 54
654
5 34
II 43
II 31
35
4
^
7 "
5>8
2
4 20
1 7 7
521
morn
I 7
7 4
5 25
morn
6 53
5 35
morn
ev.2o
3f
■;
Mon
7 10
5 19
I 13
5 14
17 6
522
I 7
2 0
7 3
5 2fa
I 2
6 52
5.3b
47
I 14
37
b
Tues
7 9
5 21
2 18
bi3
: 7 5
523
2 12
2 59
7 2
5 27
2 6
652
5 37
I 48
2 13
3a
7
Wed
! 7 8
5 22
3 23
718
1 7 4
5 25
317
4 3
7 I
528
3 9
651
538
249
318
39
8
Thur
7 b
5 23
4 20
8 19
I 7 3
52b
4 14
5 3
7 0
529
4 6
6 so
5 39
3 44
4 19
-to
9
Fri
I 7 5
524
5 lo
9 15
1 7 2
5 27
5 3
6 I
6 59
530
4 55
fa 49
5 40
4 34
5 15
■li
lO
Sat
7 4
525
5 52
10 5
! 7 I
528
5 46
651
658
532
5 39
648
541
5 19
6 5
42
II
s
i 7 2
5 26
6 24
10 51
7 0
5 30
6 19
7 35
6 57
5 33
b 13
647
542
5 57
651
43
12
Mon
i 7 I
5^a
649
II 29
658
5 31
645
8 12
6 55
5 34
6 40
647
5 43
6 27
729
44
13
Tues
7 0
5 29
sets
morn
6S7
5 32
sets
849
654
5 35
sets
64b
5 44
sets
8 4
45
14
Wed
659
530
7 3
4
656
5 34
7 5
9 24
653
536
7 6
645
5 45
7 10
838
4b
15
Thur
6 57
5 32
« 5
38
655
5 35
8 5
958
b52
538
8 5
644
546
8 5
9 12
47
lb
Fri
656
533
9 7
I 12
6 53
53b
9 5
1040
651
5 39
9 4
643
5 47
9 2
948
48
17
Sat
1 654
535
10 II
148
6 52
5 37
10 9
II 8
6 49
5 40
10 6
6 42
548
958
10 25
49
18
s
bS3
53b
II 19
2 25
651
5 39
II 16
II 51
b48
541
II II
6 41
548
1059
II 6
50
19
Mon
b52
S3«
morn
3 b
fa 49
540
morn
morn
647
542
morn
6 40
5 49
morn
II 54
51
20
Tues
6 50
5 39
29
3 54
648,
5 41
24
40
646
5 44
18
639
5 50
2
morn
52
21
Wed
648
540
140
452
646
5 43
I 33
I 39
644
5 45
I 27
637
5 51
I 7
52
53
22
Thur
647
542
248
6 1
b45
S 44
241
247
643
546
233
636
5 52
2 12
2 I
54
23
Fri
64s
5 43
352
717
644
5 45
3 45
4 2
6 42
5 47
338
635
5 53
316
3 17
55
24
Sat
644
5 45
4 47
831
6 42
546
441
5 17
6 40
548
4 34
6 34
5 54
4 4
431
56
25
.S
6 42
5 40
5 31
9 37
b4i
548
5 26
6 23
b:i8
5 49
5 20
633
5 55
5 4
5 37
57
2b
Mon
6 41
5 47
6 b
10 34 16 39
5 49
6 2
719
637
5 51
558
6.32
556
546
6 34
5a
27
1 ues
b39
5 49
rises
II 23 1 638
ev. 8 ll 6 37
5 50
rises
8 6
fa 36
5 52
rises
b3i
5 57
rises
723
59
28
Wed
638
550
7 12
5 51
7 12
853
634
5 53
7 12
6 30
558
712
8 8
MOON'S
Phases
3.
Boston.
-
NEW- York.
Washington.
Charleston.
SUN AT Noon Mark.
I
H. M.
H. M.
H. M.
H. M.
D. h. m. s.
Last Qu<
»rter.
4
0 16 M'ng. 5th.
0 4 M'
ig- 5th
II 52 Evening.
11 40 Evening.
I
12 13 57
New M(
)on.
13
4 15 Morning.
4 3 Mo
rning.
3 51 Morning.
3 39 Morning.
9
12 14 30
First Qu
arter,
20
II 31 Evening.
II IQ Ev
;ning.
II 7 Evening.
10 55 Evening.
17 1 12 14 14
Fill
Mo
3n,
2
7
30 E
vening
2
18 Ev
;ning.
2
b Ever
ing.
I 54
Eveni
ng. i
25
12 I
3 13
THE NEW-YORK ALMANAC.
'" ^^ " '' ' M55^
The Young American Farmer.
(See page 28.)
-C;=g^!^@|
t<fg^^2s^>--
— c;sg$^@g<
THE NEW-YORK ALMANAC.
"TOURING the month of March, 1876, the New-
^-^ York Life Insurance Company paid
insurance, policies on the lives of forty-six
persons. The whole amount paid was $160,198.
The whole amount that had been paid to the
Company by the holders of these policies was
$56,185.59. The gain to the families of the
deceased was $104,012.41. Thus they received
back all the money the policies cost, together
with 185 per cent, interest on the same.
rpRUTH is always consistent with itself, and
-*- needs nothing to help it out ; it is always
near at hand, and sits upon our laps, and is ready
to drop out before we are aware ; whereas a lie
is troublesome, sets a maij's invention upon the
rack, and needs a great many more to make it
good.
I rpo drop an insurance policy because the times
i -*- are hard, is like selling one's overcoat in
winter — it never should be done unless one is in
want of bread. If times were always so easy
I that any one could get a living with little exertion,
j no one would need insurance at all. But hard
[ times always pinch most severely the families of
I those who die uninsured. The hunter parts with
anything sooner than with his powder, as a
single charge may prove of more value to him
than all his other possessions.
A MAN in the Bergen Tunnel the other morn-
-^--*- ing hailed a fellow-laborer with : " So ye've
got a baby at yer house. What is it, a boy or a
gyurl?" "Guess!" "An' it's a boy." "No."
"Well, then it's a girl." "Faith," said the
delighted father, " somebody's be'n telling ye."
Thirty-one Days.
<
a
>•
u.
0
>■
<
a
X
h
2
0
s
u.
0
<
w
h !
0 .
> 1
<
Q
Calendar for
BOSTON. N.Y. STATE.NEW
ENGLAND, Wisconsin,
MICHIGAN, IOWA,
AND OREGON. '
i
Calendar for
N.Y. City, Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
Calendar for
Washington,
Maryland. Ken-
tucky, Virginia,
Missouri and
California.
Calendar for
Charleston. N. Caro-
lina, Tennessee, Geor-
gia, Alabama, Mississ-
ippi AND Louisiana.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
Sun
Sun
Moon
H.W.
Rises.
Sets.
Rises.
Boston
Rises.
H. IH.
Sets.
Rises.
N.Y.
Rises.
Sets.
Rises.
Rises.
Sets.
Rises.
Ch'n.
H. M.
H. M.
H. M.
H.M.
H. M.
H. M.
H.M.
h. M.
h. M.
h. M.
H. M.
H. M.
H. M.
H. M.
60
I
Thur
636
5 51
826
ev.48
635
5 53
825
9 34
633
5 54
823
628
5 59
8 19
848
61
2
Fri
t>35
5 52
940
I 31
634
5 53
9 37
10 16 i 6 32
5 55
9 34
627
5 59
9 25
9 J'
02
3
Sat
633
5 53
1055
2 15
632
5 54
1050
1057 |. 630
5.S6
10 46
6 26
6 0
1033
lo 15
63
4
s
6 31
5 54
morn
259 '
6 30
5 55
II 59
11 44 I 6 29
5 57
II 53
625
6 0
II 36
10 59
04
3
Mon
6 30
5 55
5
3 49
6 29
5.56
morn
ev.35 ! 6 27
5 57
morn
6 23
6 I
morn
II 49
f.5
6
Tues
628
5S6
I 13
4 45
627
5 57
I 6
I 32 j 6 26
ssa
I 0
6 22
6 I
39
ev45
66
7
Wed
626
5 57
2 13
S4«i
6 25
5 58
2 6
2 34 1 6 24
5 59
I 59
6 21
6 2
137
148
"l
8
Thur
6 25
55a
3 5
649 ;
624
5 59
258
3 35
623
6 0
251
6 20
6 3
2 29
249
68
9
Fri
623
5 59
350
752
622
6 0
3*3
4 37
6 21
6 I
3.3b
6 19
6 3
3i5
3 52
69
10
Sat
6 21
6 0
4 24
847
620
6 I
4 18
5 32
6 20
6 2
4 12
617
6 4
3.S4
4 47
70
II
.S
6 20
6 2
4 53
9 35
6 19
6 2
448
6 21
6 18
6 3
4 43
6 16
6 5
428
5 35
71
12
Mon
618
6 3
516
10 17
617
6 3
5 13
7 3
617
6 4
5 9
615
6 6
4 59
617
72
i.S
1 ues
6 16
6 4
S36
105s
fa 16
6 4
5 34
738
6 IS
6 S
5 32
613
6 6
5 25
6,S5
7.3
14
Wed
614
6 5
5S6
II 31
6 14
6 5
5 55
814
613
6 6
5 54
6 12
6 7
5 SI
7 31
74
IS
Thur
6 13
6 6
sets
morn
6 12
6 6
sets
8 50
612
6 7
sets
611
6 8
sets
a s
7$
16
Fri
611
6 7
8 4
5 1
6 II
6 8
8 I
9 25
6 10
6 8
7 59
6 10
6 9
7 53
8.39
76
17
Sat
6 9
6 9
9 10
39 i
6 9
6 9
9 7
10 4
6 9
6 9
9 3
6 8
6 9
a. S3
9 18
77
18
^
6 7
6 10
10 19
I 18
6 7
6 10
ID 14
10 42
6 7
6 10
10 9
6 7
6 10
9 54
10 0
7a
•9
Mon
6 6
611
" 33
2 0
6 6
6 II
II 27
II 29
6 6
611
II 21
6 6
611
II 2
1045
Z''
20
Tues
6 4
6 12
morn
245
6 4
6 12
morn
morn
6 4
6 12
mom
6 4
612
morn
II 39
80
21
Wed
6 2
613
39
3 39
6 2
613
33
25
6 3
613
25
b 3
612
5
morn
81
22
Thur
6 0
614
144
442
6 1
614
13a
I 29
6 I
614
I 30
6 I
613
I 8
42
82
2.3
Fri
5 59
f !.■;
241
5 54
5 59
6 IS
2 35
2 40
SSq
6 IS
2 27
5 59
6 14
2 7
I 54
^J
24
Sat
5 57
6 17
3 27
7 a
5 56
616
3 21
3 53
558
6x6
3 15
5 58
614
257
3 a
S^
25
;S
5 55
6 18
3 53
817
617
3 49
5 I
.S.S6
617
3 44
5 57
615
3 30
4 17
»5
26
Mon
5 53
6 19
4 33
9 '7
5 54
6 18
430
6 3
5 54
6 i8
4 27 1
556
6 16
4 .8
5 17
80
27
Tues
552
6 20
5 0
10 9
5 52
6 19
4 59
b.SS
5 53
6 19
4 57 '
5 55
6 16
4 53
6 9
87
28
Wed
550
6 21
5 24
10 56
551
6 20
5 24
7 39
5 51
6 19
5 24 .
5 54
617
5 24
6 56
88
2Q
Thur
S4a
6 22
rises
n 38
5 49
621
rises
8 20
550
6 20
nses
5 52
618
rises
73a
89
30
Fri
546
6 23
8 30
ev. 19
5 47
6 22
826
9 5
S4»
6 21
8 22
5 51
6 19
8 II
8 19
90
31
Sat
5 45
6 24
9 43
I I
546
623
938
9 47 ' 5 47
6 22
9 33
5 50
6 19
9 17
9 9
MOON'S PHASES.
BOSTON.
New-York.
Washington.
Charleston.
S
UN at Noon mark.
D.
H. M.
H. M.
H. M.
h. m.
D. 1 H. M. S.
Last Qu
arter.
6
5 17 Evening.
5 5 Ev(
;ning.
4 53 Evening.
4 41 Evening.
I 12 12 28
New M
3on,
arter,
14
22
10 9 Evening.
8 25 Morning.
9 57 Ev<
8 13 Mo
:nmg.
rning.
9 46 Evening.
8 I Morning.
9 34
7 49
Evening.
9 12 10 36
First Qu
Morning.
17 12 8 22
Ful
Mo
on,
2
9
5 M
orning
0
53 Mo
rning.
0 4
I Mor
ling.
0 29
Morni
ng.
25 1
12
5 57
-=5<3$6:3?c$8g>x=-
C=8$^^l
-<:>«38^°I30C'=^8?=>>t: -
cSs?:?^^®
THE NEW-YORK ALMANAC.
"TOURING the month of April, 1876, the New-
^-^ York Life Insurance Company paid
insurance policies on the lives of thirty-five per-
sons. The whole amount paid was $80,808.
The whole amount that had been paid to the
Company by the holders of these policies was
$22,038.99. The gain to the families of the
deceased was $58,769.01. Thus they received
back all the money the policies cost, together
with 266 per cent, interest on the same.
TQAUL says, " The parents ottght to lay up for
-*- the children." He makes it a moral duty, he
puts an ought in it. Now, some men can lay up
but little — not enough to provide for the children
long, if they themselves should be taken away
before the children are able to provide for them-
selves. But the same consideration that makes
it a man's duty to lay up money for his children
at all, makes it his duty to lay it up in such a way
as will make it most beneficial to them. That is
the reason why so many men ought to get their
lives insured — why it is a matter of duty. They
have not enough property to make their families
comfortable were they to die now ; were they to
die any time before their children are grown they
would not have enough ; but by putting a part
of what they can save every year into life insur-
ance, they can be sure of leaving them comfortable.
/^ RATiTUDE is the fairest blossom which
^-^ springs from the soul, and the heart of man
knoweth none more fragrant. While its oppo-
nent, ingratitude, is a deadly weed, not only
poisonous in itself, but impregnating the very
atmosphere in which it grows with fetid vapors.
Fourth Month.
ilpiif, 18^^.
Thirty Days
Oi
<l
III
><
H
Z
0
0
u.
0
<
Q
91
I
92
2
93
3
94
4
95
96
5
6
97
98
I
99
9
100
10
lOI
II
102
12
103
13
104
14
105
ic6
15
16
107
108
17
18
log
19
no
20
III
21
112
22
^13
23
114
24
"5
116
25
26
117
118
27
28
119
29
120
30
,:»
Men
Tues
Wed
Thur
Fri
Sat
Men
Tues
Wed
Thur
Fri
Sat
5b
Mon
Tues
Wed
Thur
Fri
Sat
.:S
Mon
Tues
Wed
Thur
Fri
Sat
Mo
Calendar for
Boston, N. Y. State, New
England, Wisconsin,
Michigan, Iowa,
AND Oregon.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
5 43
6 25
1054
541
6 27
II 59
5 40
628
morn
53a
6 29
56
536
6 30
145
5 35
b3i
2 23
5 33
032
254
5 31
t>33
3 31
530
bM
342
S28
636
4 0
5 26
637
4 14
525
6 38
4 39
5 23
039
5 0
S2I
6 40
sets
5 20
641
9 18
S18
6 42
10 30
516
6 43
II 38
5 i.S
045
morn
5 13
646
36
5 12
647
I 26
5 10
648
2 4
5 9
649
237
5 7
C 50
3 2
5 b
bSi
325
5 4
6 52
3 49
5 3
t)53
412
S I
t>ss
rises
5 0
656
844
4.5»
<^57
942
4 57
658
1044
1 47
2 34
3 25
4 20
518
6 19
7 16
8 8
8S4
936
10 16
1055
11 32
morn
II
56
I 44
237
3 35
4 39
5 47
655
7 54
850
940
10 26
11 10
II 54
ev.37
I 26
calendar for
n. y. city, philadelphia,
New Jersey, pennsyl-
.vania, Connecticut,
Ohio, Indiana and
Illinois.
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
5 44
6 24
10 48
5 42
626
II 52
541
6 27
morn
5 39
628
50
S37
6 29
I 39
53C
6 30
217
5 34
6 31
249
5 33
6 32
327
531
t>33
3 39
530
0 34
3 59
S28
b35
4 14
5 26
636
440
S 2S
037
5 2
524
638
sets
5 22
^39
913
5 20
6 40
10 23
5 19
0 41
II 31
5 17
6 42
mom
51b
b43
29
5 14
644
I 20
5 13
"45
I 59
5 II
646
233
S 10
647
3 0
5 8
648
324
5 7
649
350
5 0
6 50
4 14
S 4
b,Si
rises
5 3
652
838
5 2
b53
9 35
5 0
«'55
1037
H.M.
10 31
11 18
ev. 10
1 7
2 4
3 5
4 I
4 52
5 39
6 22
7 2
738
8 14
857
9 42
10 28
11 19
mom
2 33
340
4 39
5 35
626
7 12
7 52
837
9 23
ID 12
H. M.
546
5 44
542
5 41
5 39
5 37
5 36
5 34
5 33
531
5 30
528
5 27
525
5 24
5 23
5 21
S 20
518
517
5 16
5 14
5 13
511
5 10
5 9
623
6 24
6 25
626
6 27
628
6 29
6 30
6 31
6 32
633
634
635
636
6 37
638
639
6 40
6 41
6 42
6 42
643
6 H
645
646
647
648
649
6 50
651
H. M.
10 42
11 45
morn
42
1 31
2 10
244
323
3 36
3 57
4 14
4 41
5 5
sets
9 7
10 17
11 23
mom
22
I 14
1 54
2 30
2 58
3 24
351
4 16
rises
8 32
929
10 29
Calendar for
Charleston, N. Caro-
lina, Tennessee, Geor-
gia, Alabama, Missis-
sipl»i AND Louisiana.
H. M.
548
5 47
5 46
5 45
5 43
5 42
541
5 39
538
5 37
536
5 34
5 33
5 32
531
5 30
5 28
5 27
5 26
5 25
5 24
5 23
5 21
5 20
5 19
518
5 17
516
5 IS
5 14
6 20
6 21
6 21
6 22
6 23
6 23
6 24
6 25
626
626
6 27
628
628
6 29
6 30
6 31
631
6 32
6 33
6 33
6 34
6 35
636
636
6 37
638
638
639
6 40
6 41
10 !?3
11 24
morn
20
I II
1 52
2 28
3 10
3 28
3 53
4 13
4 44
5 12
sets
8 50
956
II 2
morn
I
55
1 39
2 19
2 51
3 22
3 54
4 '3
rises
8 IS
9 8
10 8
9 47
10 34
11 25
1 18
2 19
316
4 8
4 54
536
6 16
655
732
8 II
856
9 44
10.37
II 35
morn
39
I 47
255
3 54
4 50
540
626
7 10
7 54
837
9 26
MOON'S Phases.
D.
Last Quarter,
5
New Moon,
13
First Quarter,
20
Full Moon,
27
Boston.
H. M.
II 46 Morning.
1 6 Evening.
2 53 Evening.
II 52 Morning.
New-York.
H. M.
II 34 Morning
o 54 Evening
2 41 Evening
II 40 Morning
Washington.
H. M.
II 22 Morning.
o 42 Evening.
2 29 Evenmg.
II 28 Morning
Charleston.
H. M.
II 10 Morning.
o 30 Evening.
2 17 Evening.
II 16 Morning.
Sun at Noon Mark.
D. I h. m. s.
t 12 3 48
9 I 12 I 28
17 1 II 59 26
25 II 57 48
— — c;^?«??«>^4^
.^^;%%g^^^
-=oo<:g3;;o2g63$gi>oo=-
— ^^g^^^^
THE NEW-YORK ALMANAC,
Jealousy.
( See page 29. )
w^mi^.^-
-='0<3$636C^^>^-
C-38@^^^
.g..'^^^!?EE?::^-
— <^^^:^<
THE NEW-YORK ALMANAC.
TOURING the month of May, 1876, the New-
-L^ York Life Insurance Company paid
insurance policies on the lives of forty per-
sons.- The whole amount paid was $149,242.
The whole amount that had been paid to the
Company by the holders of these policies was
$54,576.35. The gain to the families of the
deceased was $94,665.65. Thus they received
back all the money the policies cost, together
with 173 per cent, interest on the samo.
rpHE man who is only honest because he thinks
-*- honesty is the best policy, is not really an
honest man. Honesty is not swerving policy,
but stable principle. An honest man is honest
from his inmost soul, nor deigns to stoop to aught
that is mean, though great results hang on the
petty fraud.
rpHEKE are many reasons why men should
-*- insure their lives, but there is One Great
Reason which will commend itself to most per-
sons with greater force than any other, and that
is, should ikey die luiihin the next ten of fifteen
years, the probability is that they would not leave
enough property to support their families comfoH-
ably. This is a reason for insuring life which
every man who has any one depending upon him
for support ought to look squarely in the lace,
decide candidly what his duty is, and then do
it promptly.
" TTT AS the crowd tumultuous?" inquired one
^ ' man of another who had just come from
a mass-meeting. "Too multuous," replied the
other. "Oh, no! just about multuous enough
to fill the hall comfortably.'
7)Xai>, \%\
Phirfy-one Days
><
0
X
H
Z
0
S
b
0
>
<
0
t i
0
>
<
Q
CALENDAR FOR
BOSTON. N.Y. STATE. New,
England, Wisconsin,
Michigan, Iowa,
AND Oregon.
1
Calendar for
N. Y. City, Philadelphia,
New Jersey. Pennsyl-
vania. Connecticut,
Ohio, Indiana and
Illinois.
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia.
Missouri and
California.
; Calendar for
Charleston, N. Caro-
|LINA, Tennessee, ghor-
1 GiA, Alabama, Mississ-
; ippi and Louisiana.
1
<
Sun
Sun
Moon H.W. H Sun
Sun
Moon
H.W.
Sun
Sun
Moon
1 Sun
Sun
Moon
H.W.
Rises.
Sets.
Rises.
Boston ; Rises.
Sets.
Rises.
N.Y.
Rises.
Sets.
Rises.
Rises.
Sets.
Rises.
Chn.
H. M.
H. M.
H. M.
H. M. i
H. M.
h. m.
H. M.
H.M.
H. M.
H. M.
h. m.
H. M.
h. M.
H.M.
H. M.
121
1
Tues
456
7 0
II 39
2 14
4 59
656
II 32
10 56
5 2
6 52
II 24
5 '3
6 42
" 3
ID 14
122
2
Wed
4 54
7 I
mom
3 2
458
b,57
morn
1147
5 I
b.53
morn
5 '2
643
II 46
II 2
123
3
Thur
4 53
7 2
19
3 52
456
658
'3
ev.38
5 0
654
6
5 II
644
morn
II 52
124
4
Fri
452
7 3
54
4 43
4 55
b59
48
I 30
4 59
t^ss
43
5 10
6 45
26
ev43
125
5
Sat
451
7 4
1 20
5 35 '
4 54
7 0
I 10
2 21
458
656
I 12
5. 9
645
58
' 35
126
6
s
449
7 5
I 43
626
4 53
7 '
I 40
3 12
4 57
b57
' 37
5 8
646
I 27
2 26
127
7
Mon
4 48
7 b
2 3
7 17 \
4 52
7 2
2 I
4 2
4 55
658
I 59
5 7
0 47
I 53
3 '7
128
8
Tues
4 47
7 7
2 23
8 6 !
451
7 3
2 22
4 50
4 54
6 59
2 22
5 7
b47
2 19
4 0
129
9
Wed
4 46
7 8
241
851
4 49
7 4
2 42
5.36
4 53
7 0
2 42
5 b
648
244
4 51
130
10
Thur
4 44
7 9
3"
9 35
448
7 5
3 '3
6 21
452
7 '
3 14
5 5
649
3 20
5 35
i3>
II
Fri
4 43
710
3 26
10 20
4 47
7 b
328
7 b!
4 5'
7 2
331
5 4
649
3 4'
6 20
132
12
Sat
442
7 II
3 55
II 6
446
7 7
4 0
748
4 50
7 2
4 4
5 3
6 50
4,8
7 0
133
'3
.^a
441
7 12
sets
" 54 [
4 45
7 8
sets
8.37
4 49
7 3
sets
5 2
051
sets
7 54
'34
14
Mon
4 40
7 13
925
morn j
4 44
7 9
9 18
9 30
4 49
7 4
911
5 2
0 5'
8 50
844
135
15
lues
4 39
714
10 29
44 :
4 43
7 10
10 22
10 23
448
7 S
10 14
5 '
6 52
9 53
938
13b
lb
Wed
438
7 15
II 20
'38|
442
7 II
II 14
" '5
4 47
7 b
II 7
5 0
b53
1047
1033
137
'7
Thur
4 37
71b
morn
2 33 \
4 4'
7 12
II 59
morn
446
7 7
11 54
5 0
654
" 37
II 29
138
i!J
Fri
4 36
7 17
4
3 29 I
440
7 '3
mom
15
4 45
7 8
morn
4 59
t>54
morn
morn
139
19
Sat
4 35
718
38
4 27
4 39
7 14
35
I 14
4 44
7 9
3°
458
055
18
27
140
20
S
4 34
7 19
I 6
527
4 39
7 IS
' 4
2 13
4 43
7 10
I I
458
t>55
54
1 27
141
21
Mon
4 33
720
I 31
6 25
438
71b
I 30
3" !
4 43
7 10
I 29
4 57
bSb
I 26
2 25
142
22
Tues
4 32
721
'53
722
4 37
7 '7
I S3
4 7
442
7 "
' 54
4 57
b57
I 55
3 22
143
23
Wed
4 31
7 22
2 i6
817
4.3f
7.8
2 18
5 I !
4 4'
712
2 19
4 5(3
0 57
225
4 '7
144
24
Thur
4 31
723
238
■^ 2
430
719
241
5 54 !
441
7 '3
245
4 56
658
25s
5 5
145
25
Fn
4 3°
7 24
3 5
9,58
4 35
7 20
3 10
b44
440
7 '4
3 '4
4 55
659
3 29
558
140
26
Sat
429
725
330
1048
4 34
7 20
341
7 32
4 39
7 '4
3 47
4 55
7 0
4 5
O48
'47
27
.s
4 29
7 26
rises
I' 33
4 34
7 21
nses
815 1
4 39
7 '5
rises
4 54
7 0
rises
7 33
148
28
Mon
428
727
9 28
ev.2o
4 33
7 22
9 21
9 bl
438
71b
9 '3 !
4 54
7 '
85'
820
149
29
Tues
427
7 28
10 15
' 7
4 32
7 23
10 8
9 53 i
4.38
7 17
10 I j
4 54
7 '
940
9 7
150
30
Wed
427
7 28
10 52
I 52
4 32
723
1046
10 37 :
4 37
7 '7
1040 ;
4 53
7 2
10 22
9 52
151
31
Thur
4 26
729
II 21
237
4 31
724
II 16
II 19
4 37
718
II II !
4 53
7 2
10 27
1037
MOON'S PHASES.
I-
BOSTON.
New-York.
1 Washington.
Charleston.
S
UN AT Noon mark.
D.
. M.
H. M.
H. M.
H. M.
D. i H. M. S.
Last Qu
arter,
S
6 35 Morning.
6 23 Morning.
6 II Morning.
S 59 Morning.
I 1 II 56 55
New M
jon,
13
0 45 Morning.
0 33 Morning.
0 21 Morning.
0 9 Morning.
9 1 II 56 15
First Qu
arter,
19
8 12 Evening.
8 0 Evening.
7 48 Evening.
7 36 Evening.
17 1 II 56 II
Ful
Mo
on,
2
6
I
21 E
vening
II
9 Ev<
;ning.
ID =
7 Ever
ing. 1
10 45
Eveni
ig-
25 '
" 5
5 43
^^^<m^%<
THE NEW-YORK ALMANAC
13
May Dreams.
(See page 29.)
- -«<_<2i<iC--i6c3$S>><==-
14
THE NEW-YORK ALMANAC.
TOURING the month of June, 1876, the New-
-^-^ York Life Insurance Company paid
insurance policies on the lives of thirty-seven per-
sons. The whole amount paid was $152,747.
The whole amount that had been paid to the
Company by the holders of these policies was
$52,348.09. The gain to the families of the
deceased was $100,398.91. Thus they received
back all the money the policies cost, together
with 191 per cent, interest on the same.
rpHAT peace is an evil peace that doth shut
-*- truth ont-of-doors. If peace and truth cannot
go together, truth is to be preferred, and rather
to be chosen for a companion than peace.
T~>ECENTLY two young gentlemen were gravely
L\
discussing the social problem, whether or
not etiquette demands that a young lady upon
parting with her gentlemen callers at the gate or
the hall door, should ask them to call again. One
insisted that such an invitation was the proper
thing to do. The other denied it; "becatise,"
said lie, " I go to see a young lady who knows
what politeness requires, and she never asks me
to call again."
rpHE husks of emptiness rustle in every wind ;
-'- the full corn in the ear holds up its golden
fruit noiselessly to the Lord of the harvest.
— VV hi (tier.
M
OMKNTS of triumph are not always moments
of happiness. — Mrs. Ellis.
^
"TO man can avoid his own company, so he had
^ best make it as good as possible.
u.
<
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>■
u.
0
s
t-
z.
0
S
0
>
<
Q
w
0
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<
c
Cat FVDAR FriK < Calendar FOR
BOSTON. NY. STATE^,NEW,lN-V.Cn;..PH.^
ENGLAND. WISCONSIN, ' ^vTv, I ro v^.i^-r,??, r
MiruiraiM InwA VAN'IA, CONNECTICUr,
iNDOPErSN !' OHIO, INDIANA AND
AND (JRL(,ON. ILLINOIS.
Calendar for
Washington,
Maryland, Ken-
tucky, VIRGINIA,
missouri and
California.
Calendar for
Charleston, N. Caro-
lina, Tennessee, Geor-
gia, ALABAMA, MISSIS-
SIPPI AND Louisiana.
<
Q
Sun
Sun
Moon
H.W. : Sun
Sun
Moon
H.W.
1 Sun
Sun
Sun
Sun
Moon
H. W.
K,ses.
Sets.
Rises.
H. M.
Boston ' 1 Rises.
H. M. H. M.
Sets.
Rises.
H. M.
N.Y.
H.M.
j Rises.
Sets.
H. M.
Rises.'
Rises.
Sets.
Rises.
H. M.
Cll'n.
H. M.
H. M.
H. M.
,H. M.
H. M.
H. M.
H. M.
H. M.
152
I
Fri
4 25
730
II 45
320 ', 431
724
II 42
ev. 5
4 36
7 19
II 38 j| 4 5^
7 3
II 27
II 20
153
2
Sat
4 25
73b
morn
4 2 ; 4 30
7 25
morn
49
4 3b
7 t9
morn [[ 4 52
7 3
11 55
ev. 2
'54
3
is
4 25
7 31
7
4 49 1 1 4 30
7 26
5
1 36 11 4 3^
7 20
2 ! 4 52
7 4
morn
49
155
4
Moil
424
732
25
5 34 - 4 30
72b
23
2 20 ■ 4 35
721
22 1 452
7 4
19
I 34
150
5
Tues
' 4 24
732
45
6 23 r 4 29
7 27
45
3 9 , 435
721
45 ,, 452
7 5
45
2 23
•57
6
Wed
424
7 33
I 4
7 14 ;, 429
728
I 6
3 59 4 35
7 22
' 7 , 451
7 5
I 11
3 14
15B
7
Thur
423
7 33
I 26
8 6 '! 4 29
728
I 28
450
i 4 34
723
I 31 4 51
7 t)
I 39
4 b
'59
8
Fri
423
7 34
I 52
8 59 j 4 29
729
'5^^
5 44
! 4 34
72,
20 451
7 0
2 12
4 59
1 00
9
Sat
423
7 35
2 23
9 53 4 28
730
2 28
639
! 4 34
7 24'
234 4 5'
7 7
2 50
5 S3
ibi
10
^
1 +^3
736
3 5
10 49 , 4 28
7.30
3 "
7 33 11 4 34
7 21
3 18 j 4 51
7 7
3 37
649
It)2
II
Mon
4 22
736
sets
11 43 428
731
sets
8 25 |l 4 31
725
s-ts 451
7 8
sets
7 43
103
12
Tues
422
7 37
9 13
morn 4 28
731
9 6
921 i; 4 34
725
ii 59 1 4 51
7 8
8 38
»35
it4
n
Wed
i 4 22
7 37
10 2
35 4 28
732
9 57
10 16 11 4 34
7 26 ; 9 51 11 451
7 «
9 33
921
it>5
14
Thur
i 4 22
"u
1038
I 21 4 28
7 32
1034
II 64 34
7 26
10 29 [ 4 51
7 9
10 16
10 23
ibb
15
Fri
4 22
7 3«
II 9
2 23 4 28
7 32
11 7
II 59 " 4 34
726
II 4 ; 4 51
7 9
1055
II 14
ib7
lb
Sat
4 22
738
" 34
314 1 428
7 33
II 33
morn ., 4 34
727
11 32 1 4 51
7 9
II 27
morn
ib8
17
JS
4 22
7 39
11 57
4 4 il4 28
7 3.^
11 57
51 , 4 :h
727
II 57 l| 4 51
7 10
II 57
4
169
la
Mon
4 22
7 39
morn
4 56 ii 4 28
7 33
morn
I 43 , 4 34
728
morn |j 4 51
710
morn
5b
170
19
Tues
4 22
7 39
20
551 I428
7 34
21
2 37 1: 4 34
7 28
22 II 4 52
710
27
I 51
171
20
Wed
423
740
40
647 tl 4 29
7 34
43
3 33 1 4 34
728
46 II 4 52
7 II
54
247
172
21
Thur
4 23
740
I 8
7 44 '■;■ 429
7 34
I 12
4 29 1 4 34
7 2li
I 16 1
4 52
7 ji
I 29
3 44
^73
22
Fn
: 423
740
I 39
8 44 ; 4 29
7 34
144
529
[ 4 35
728
I SO ;
452
711
2 6
4 44
174
23
Sat
: 423
7 40
2 16
938 .4 29
7 34
2 23
624
4 35
7 29
2 29 \
452
7 II
2 49
538
175
24
.^
423
740
3 I
10 29 il 4 29
7 35
3 8
7 14
4 35
729
3 15 1
4 53
7 II
327
b29
17b
25
Mon
424
741
rises
II 20 II 4 30
7 35
rises
8 2
' 4 35
729
rises
4 53
711
rises
7 20
'77
2b
Tues
! 4 24
741
851
ev. 3 il 430
7 35
845
8 48
4.3b
7 29
838 i
4 53
712
8 20
« 3
178
27
Wed
4 24
741
9 23
47 1 4 30
7 35
9 18
9 33 I 4 36
729
9 12 i
4 54
7 12
8 56
847
'79
28
Thur
1 4 25
7 40
9 49
I 24 H 4 29
7 35
9 45
lo II. 1 4 37
729
941 1
4 5+
7 12
9 28
924
180
29
Fri
1 42s
740
10 18
2 0 |, 4 29
7 35
10 17
1048 4 37
729
ID 12 1
4 54
7 12
ID 4
10 0
181
30
Sat
4 26
740
1029
2 44 4 29
7 35 1 10 77
11 26 4 37
729
10 26
4 55
712
10 71
1044
MOON'.S
PHASES
3.
H
Boston.
New-York.
1 Washington.
Charleston.
;
;uN at Noon mark.
I
. M.
H. M.
H. M.
H. M^
D. 1 H. M. s.
Last Qu:
irter,
4
0 25 Morning.
0 15 Mo
rning.
0 3 Morning.
II 51 Ev'g 3d.
I 11 57 36
New Mc
)on,
II
9 48 Morning.
9 36 Mo
rning.
1 9 24 Morning.
g 12 Morning.
9 j II 59 I
First Qu
arter.
18
I 40 Morning.
I 28 Mo
ming.
I 16 Morning.
I 4 Morning.
17 1 12 0 41
Fill
Mo
3n,
2
5
9 E
i^ening
11 57 Mo
niing.
1 4
5 Ever
ling
II 33
Morn
"g.
25 1
12
2 24
«-®*^>§«^J-"
'^;:pf»fXp>%\
-- C^8@@®|
THE NEW-YORK ALMANAC.
IS
■^•^^mi;^^^
%^@^«^^ ■
— -<:><g;$$:3cg38^>o^
l6
THE NEW-YORK ALMANAC.
rpHE man of business ought to insure his life,
-*- because the hazards of business are great,
and his death might leave his family without a
penny. If he puts from .fioo to $500 in life in-
surance every year, he is able to employ all his
remaining surplus in his business, and at the
same time he runs no risk of leaving all his prop-
erty locked up in his business at his death. If
he fails he still has his life policy, and need have
no fears for his family's welfare in case a worse
thing should befall him. Remember a premium
multiplies itself many times in case of death.
TN "Uncle Consider's temperance lecture,"
-*- Eli Perkins condenses all that can be said
against the use of liquor in the single clause,
"Get the best of whisky, Eli, and whisky will
get the best of you. "
rnHF, law of love is the best rule of life, and to
-^ speak ill of others is to be allowed only when
love requires it. Censure is as just at some
times as praise at others. Only let it be in love.
But if the truth is not to be spoken always, if
silence is better than speech when speaking the
truth would do evil and no good, how wicked
and how dangerous it is to utter a word of
untruth, even a breath of suspicion, a trifling
hint or insinuation that may soil the fair face of
a spotless name, and dim the luster of a virtuous
character. The tongue is a little member, but
it is a mighty power. And words once spoken
can never, never, never be unsaid.
rnRUTHS hang together in a chain of mutual
-^ dependence ; you cannot draw one link with-
out attracting others.
Seventh Month.
}ii(ij, i8y
Thirty-one Days.
0!
<
0
X
H
Z
0
S
u.
0
>
<
a
a
Hi
0
>■
1 Calendar i-or
Boston, N. Y. State, New
England, Wisconsin,
1 MICHIGAN, Iowa,
' .\ND Oregon.
Calendar for
n. v. city, philadelphia,
NEW Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indianaand i
ILLINOIS.
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
Calendar for
! Charleston, N. Caro-
lina. Tennessee, Geor
gia, alabama, mississ-
ippi and louisiana.
< '
!s„n
Smi
Moon
H.W.I
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
Sun
Sun
Moon
H.W.
"^
Rises.
H. M.
Sets.
Rises.
Boston!
Rises.
Sets.
Rises.
N.Y.
Rises.
Sets.
Rises.
H. M.
Rises.
H. M.
Sets.
Rises.
Cli'n.
H. M.
H. M.
H. M.
H. M.
H. M.
H. M.
H.M. }
11. M.
H. M.
H. M.
H. M.
H. M.
182
I
,s
i 4 26
740
1048
321
432
7 35
1047
ev. 6 1
438
729
1047
4 55
7 12
1046
II 21
i»3
2
Mon
|4 2b
740
II 8
4 0
432-
7 35
11 8
47
4.38
7 29
II 9
4 55
7 12
II 12
12 0
184
3
Tues
|4 27
740
II 26
4 43
4 33
73t
11 28
I 30 1
4 39
729
11 30
4 56
712
11 37
ev43
185
4
Wed
l4 2»
740
II 49
531 1
4 33
7 34
II 53
2 17 j
4 39
728
II 56
456
711
morn
I 31
186
5
Thur
, 429
7 39
morn
6 23
4 34
7 34
morn
3 II
440
728
morn
4 57
7 II
7
2 25
187
0
Fri
; 429
7 39
19
725 '
4 35
7 34
• 23
4 1° 1
441
728
28
4 57
7 II
43
325
188
7
Sat
4 30
7 39
55
8 30
4 ?5
7 33
I I
5 15
441
7 28
I 7
4.58
7 II
1 25
4 30
189
8
jS
430
7 3»
140
9 34 '
436
7 33
I 47
6 20
442
727
I 54
458
711
2 15
5 34
190
9
Mon
431
7 3«
2 40
10 31
4 37
7 33
247
721
442
727
2 .55 1
4 59
711
•3 If
636
191
10
Tues
432
73a
3 50
II 32
4.37
732
3 57
814
4 43
727
4 4 '
4 59
710
425
732
192
11
Wed
433
7 37
sets
morn '
43a
732
sets
9 12
4 44
7 20
sets ,
5 0
7 10
sets
825
193
12
Thur
433
7 37
9 «
^S i
4 39
731
9 5
10 2
4 44
72b
9 I
5 0
7 10
851
9 lb
194
13
Fri
4 34
73b
936
I 16 1
4 39
731
9 34
1047
4 45
7=b
932 !
5 I
7 9
9.b
10 5
'95
14
Sat
4 35
7 3*5
10 0
2 5
440
730
10 0
11 32
446
725
959 !
5 2
7 9
958
10 48
19b
15
..^
436
7 35
10 22
248
441
730
10 23
morn 1
446
724
10 24 1
5 2
7 9
10 27
II 34
197
lb
Mon
4 37
7 34
1047
3 34
442
729
1049
20
4 47
724
1052 •
5 3
7 *!
1057
morn
17
lues
4 37
7 34
II 13
424
4 43
7 29
II 16
I II
448
723
II 20 [
5 3
7 8
II 32
24
199
iS
Wed
43a
7 33
II 40
• 5 17
4 44
7 28
II 45
2 3 ;
4 49
7 23
II 50
5 4
7 7
morn
I 17
200
19
Thur
j 4 39
732
morn
618
4 44
727
morn
3 4;
450
7 22
morn
5 5
7 7
6
2 18
201
20
Fri
I 4 40
731
15
7 20
4 45
7 26
21
4 5 1
451
721
27
5 5
7 <^
4b
3 20
202
21
Sat
441
7 3°
sa
8 23 '
446
7 26
I 4
5 8
452
721
I 12
5 b
7 <^
I 32
4 23
203
22
,s
14 42
7 3°
149
9 20
4 47
725
I 5"
b b
4 52
7 20
2 3
5 b
7 5
2 25
5 20
204
23
Mon
!4 43
729
246
!0 13
448
7 24
2 53
b59
4 53
7 19
3 0 1
5 7
7 5
321
bi3
205
24
Tues
4 44
728
rises
II 1
448
723
rises
7 44 '
4 54
718
rises 1
5 8
7 4
rises
7 I
200
25
Wed
4 45
7 27
7 53
"43
4 49
723
748
82s
4 55
718
7 44
5 8
7 4
7 3°
7 43
207
26
Thur
446
7 26
8 16
ev 20
4 50
7 22
813
9 6
456
7 17
8 9|
5 9
7 ?
7 59
8 20
208
27
Fri
4 47
725
836
57
4 51
721
8.34
9 43 1
4 57
71b
832
5 10
7 2
8 25
857
209
28
Sat
448
724
852
I 31 1
4 52
7 20
852
10 16
458
715
851
5 10
7 I
848
931
210
29
.S
4 49
723
9 10
2 5 1
4 53
7 19
9 II
1047
458
7 14
9 II
5 II
7 I
9 12
10 5
30
Mon
4 50
7 22
931
2 42 ;
4 54
7 18
932
II 24
4 59
7 13
9 34
5 12
7 0
9 39
10 42
31
Tues
451
7 21
9 53
3 19
4 55
7 17
9 55
ev. 4
4 59
7 12
958
5 12
659
10 7
II 19
Moon's phases.
Last Quarter,
New Moon,
First Quarter,
Full Moon,
Boston.
New-York.
H. M. I H. M.
4 18 Evening, j 4 6 Evening.
5 22 Evening. I 5 10 Evening.
8 28 Morning. 1 8 16 Morning.
2 35 Morning. | 2 23 Morning.
Washington.
H.
3
4
8
M.
54 Evening.
58 Evening.
4 Morning.
2
II Morning
Charleston.
SUN AT Noon Mark.
H. M.
D.
H. M. S.
3 42 Evening.
I
12 ,3 36
4 46 Evening.
9
12 4 58
7 52 Morning.
17
12 S 5.^
I 59 Morning.
25
12 6 14
-=o9<:S3$$3CE3gg»<=—
-K;s?e^C>^
g<:^^@3SE?>-^
— ^^^^P
THE NEW-YORK ALMANAC.
17
W^w^^y
o5<a$^S26i33S>«c^-
Z~^<ii(g^^
?*^^^8^>~—
=>K;B88D6c3g^>>c—
i8
THE NEW-YORK ALMANAC.
DURING the month of August, 1876, the New-
York Life Insurance Company paid
thirty-three death-claims, amounting in all to
$103,176. The whole amount that had been paid
for these policies was $31,112.70. The gain to
the families of the deceased was $72,063.30. Thus
they received back all the money the policies cost,
together with 231 per cent, interest on the same.
A well-ordered house is a paradise on
-^--*- earth. No other earthly pleasure is equal
to the calm contentment of the family fireside.
The excitement of even successful business is
attended with ve.xation ; the enjoyments of travel
are associated with fatigue and danger ; and even
the pleasures of knowledge are combined v/ith
bitterness. But the happiness of the fireside is
unalloyed.
TT IS better to yield a little than to quarrel a
-*- great deal. The habit of standing up, as
people call it, for their (little) rights, is one of
the most disagreeable and undignified things.
Life is too short for the perpetual bickering which
attends such a disposition ; and unless a very
momentous affair, indeed, where other people's
claims and interests are involved, is it not wiser
and more dignified to yield somewhat of our
precious rights, than squabble to maintain them ?
rTMiE " Tontine Investment Policy " of the New-
-^ York Life oflers special and desirable feat-
ures. It practically gives Endowment Insur-
ance at life rates. The estimated profits of those
who survive their Tontine periods are large,
while the profits of those who die early are
necessarily large.
Eighth Month.
^ngiwt, 18
n
Thirty-one Days.
Calendar for
Boston, N. y. state, New
England, Wisconsin,
Michigan, iowa,
AND Oregon.
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
^
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
S_at
Mon
Tues
Wed
Thur
Fri
H. M.
4 52
4 53
4 54
4 55
4 56
4 57
458
4 59
5 °
5 I
S 2
5 3
5 5
5 6
5 7
5 8
5 10
5 "
5 12
5 13
5 14
5 15
5 16
5 17
5 18
5 19
5 20
5 21
5 22
5 23
H. M.
7 20
7 18
7 17
7 16
7 '5
7 14
7 12
7 "
7 10
7 8
7 7
7 6
7 4
7 3
7 I
7 o
658
657
655
654
6 52
651
649
648
646
6 44
643
6 41
639
638
636
H. M.
ID 17
10 48
11 28
mom
20
I 25
241
4 01
sets
8 3
82s
849
9 12
9 41
10 14
1055
11 44
morn
39
1 40
245
rises
6 41
7 o
7 18
7 37
7 57
8 30
850
9 23
10 10
H. M.
4 I
4 52
5 51
7 o
8 12
9 21
1025
II 21
morn
8
52
1 37
2 20
3 5
3 54
4 51
552
7 o
8 01
9 01
951
1035
II 14
II 48
ev.2o
55
1 29
2 6
247
3 32
4 26
Calendar for
N. Y. City, Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
H. M.
456
4 57
458
4 59
5 o
5 I
5 2
5 3
5 4
5 5
5 6
5 7
5 8
5 9
5 10
5 II
5 12
5 13
5 14
5 15
516
5 17
5 17
518
519
5 20
521
5 22
5 23
5 24
5 25
Sun
Moon
Sets.
Rises.
H. M.
H. M.
716
10 21
7 14
1053
713
II 34
7 12
morn
711
27
7 10
I 31
7 9
247
7 7
4 06
7 b
sets
7 3
8 I
7 4
82s
7 2
851
7 I
qi6
7 0
9 46
658
10 20
b57
II 2
bSS
II 51
654
morn
653
46
bSi
I 47
6 50
2 50
648
rises
647
659
645
659
644
718
642
738
6 41
8 0
6 39
834
637
855
636
929
b34
10 16
H.M.
ev.48
1 39
2 37
3 45
4 56
6 7
7 II
803
853
938
10 22
11 3
II 50
mom
40
138
2 38
3 45
4 46
5 46
637
7 20
7 56
831
9 7
941
10 14
10 48
11 29
ev.18
I 13
Calendar for
Washington,
Maryland. Ken-
tucky, VIRGINIA,
Missouri and
California.
5 o
5 I
5 2
5 3
5 4
5 5
5 6
5 6
5 7
5 8
5 9
5 10
5 II
5 12
5 13
5 14
5 15
516
5 17
5 17
518
5 '9
5 20
5 21
5 22
5 23
5 24
5 25
5 26
5 26
5 27
7 II
7 10
7 9
7 8
7 7
7 6
7 5
7 4
7 2
7 I
7 o
659
658
656
6 54
653
6 52
651
650
648
647
645
644
643
6 41
6 40
638
6 37
6 35
6 34
6 32
H. M.
1025
1059
II 41
morn
35
1 39
2 53
4 12
sets
8 o
8 26
843
9 19
951
10 26
11 9
II 58
morn
53
1 53
2 56
rises
636
658
7 18
7 39
8 2
837
9 o
936
10 24
Calendar for
Charleston, N. Caro-
lina, Tennessee, Geor-
gia, Alabama, Mississ-
ippi AND Louisiana.
H. M.
5 13
5 14
5 15
5 15
5 16
5 17
5 17
518
519
519
5 20
5 21
5 21
5 22
5 23
5 23
5 24
5 25
5 25
5 26
5 27
528
5 28
529
5 30
5 30
5 31
5 32
5 32
5 33
5 33
658
658
657
656
6 55
654
653
6 52
651
6 50
6<9
648
647
646
645
644
643
6 42
6 41
6 40
638
637
636
6 35
6 34
6 32
631
6 30
6 ?9
6 28
6 27
h. m.
1038
II 15
morn
I
56
2 o
3 J2
4 27
sets
7 57
8 27
859
930
10 5
1044
11 30
morn
20
1 14
2 13
3 12
rises
6 29
654
718
7 43
8 10
849
9 15
9 54
1044
h. m.
ev. 1
52
I 51
3 o
4 12
5 21
6 25
7 21
8 8
852
9 37
10 20
11 5
II 54
morn
51
I 52
3 I
4 I
5 I
5 51
635
7 14
748
8 20
855
9 29
10 6
1047
11 32
ev 26
Moon's phases.
Last Quarter,
New Moon,
First Quarter,
Full Moon,
Last Quarter,
Boston.
H
5
0
5
6
4
M.
37
34
44
26
31
Morning.
Morning.
Evening.
Evening.
Evening.
NEW-YORK. 1
H.
M.
5
25
Morning.
0
21
Morning.
■i
32
Evening.
6
14
Evening.
4
19
Evening.
Washington.
H.
M.
5
0
5
6
4
13
9
20
2
7
Morning.
Morning.
Evening.
Evening.
Evening.
Charleston. Sun at Noon Mark.
5 I Morning.
II 57 Ev'g. 8th.
3 8 Evening.
5 50 Evening.
3 55 Evening.
3.
H.
M.
s.
I
12
6
2
P
12
5
12
7
12
3
4b
5
12
I
47
C=5?$^i^|g
( See page 31
A TART temper never mellows with age; and . OuccESS is full of promise till men get it, :\ikI
a sharp tongue is the only edged tool that J '^ then it is as a last year's nest, from which the
grows keener with constant m^g.— Irving. . bird has flown.
^35@@?^>
«e^:26E3^"
1^
W^>^^!!^:^-
^^;=g^^Ct§'
THE NEW-YORK ALMANAC.
rrMiE man who is in debt ouglit to insure iiis
-*- life for the benefit both of his family and of
his creditors. It is not honorable to leave his
capacity to pay the debt he owes to both unin-
sured. Fire will render a mortgage on a build-
ing valueless, unless the mortgagee hold also a
fire policy of insurance. So everything that
makes a debtor's note worth anything is liable to
be destroyed by death. If he does not wish to
leave to his children a tarnished name and a
heritage of poverty, let him insure his life.
A PROFESSOR asked his class: "What is the
-^--*- aurora ? " A student, scratching his head,
replied: "Well, professor, I did know; but I
have forgotten." "Well that is sad, very sad,"
rejoined the professor. " The only man in the
world that ever knew has forgotten it."
rpHE best part of human character is the ten-
T
derness and delicacy of feeling in little mat-
ters, the desire to soothe and please others,- — mi-
nuticB of the social virtues. Some ridicule these
feminine attributes, which are left out of many
men's natures ; but the brave, the intellectual,
the eloquent, have been known to possess these
qualities, — the braggart, the weak, never! Be-
nevolence and feeling ennoble the most trifling
actions.
WHEN you attempt anything that is right,
go through with it. Be not easily dis-
couraged Form habits of perseverance. Yield
not to sloth, and sleep, and fickleness. To
resist all these will not be easy, but you will
feel that you have done right when you get
through.
Ninth Month.
Septciiificl, iS'jfY.
Thirty Days.
a:
H
<
1
11.
U.
o
0
>
>.
<
<:
u
0
244
I
245
2
246
3
247
4
248
5
249
6
250
7
251
8
252
9
253
10
254
II
2SS
12
256
'3
2S7
14
25b
15
2,SQ
lb
260
17
261
18
262
IQ
26,
20
264
21
265
22
r66
23
267
24
268
25
269
26
270
27
271
2«
272
29
273
30
Sat
Mon
Tues
Wed
Thur
Fri
Skt
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Calendar for
Boston, N.Y. State, New'
England, Wisconsin,
Michigan, Iowa,
AND Oregon.
Calendar for
N. Y.ciTY, Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
H.W.
Rises.
Sets.
Rises.
Boston
Rises.
Sets.
Rises.
N.Y.
H. M.
H. M.
H. M.
H. M.
H. M.
H. M.
H. M.
H.M.
5 24
635
II 7
532
526
633
II 14
218
5 26
b33
morn
045
5 27
631
morn
3 31
527
031
6
7 59
5 28
629
12
4 44
52a
6 29
1 31
9 7
5 29
628
I 37
5 52
529
628
2 52
10 5
530
626
2 56
651
5 30
626
4 13
1057
531
6 25
4 15
740
531
6 24
sets
" 43
5 32
6 23
sets
82s
5 32
6 22
649
morn
5 33
621
6 50
911
5 33
621
7 13
24
5 34
0 20
716
9 54
5 34
6 19
740
I 8
5 35
618
7 44
1033
5 35
t,i7
«i3
I 5'
5 36
6 16
8 18
11 23
5 30
f 15
S51
241
5 37
f 15
8.57
morn
5 37
bi4
9 37
331
5 3»
bi3
9 44
17
S3«
6 12
10 32
4 28
S 39
611
1039
I IS
5 39
6 10
" 33
533
540
6 9
" 39
2 17
5 40
6 8
morn
636
541
6 8
morn
3 22
541
0 7
36
736
542
6 6
41
421
5 43
b 5
I 40
»3i
5 43
b 4
144
51b
5 44
b 3
244
9 18
5 44
6 3
247
6 4
5 45
6 I
3 45
9 59
5 45
6 I
3 47
64s
546
6 0
446
1038
54b
5 59
4 47
723
5 47
558
rises
II 14
5 47
558
rises
75b
5 4«
55b
6 3
11 47
54a
556
6 5
830
5 49
5 54
6 27
ev.2o
5 49
5 54
6 30
9 7
550
5 53
6 52
I 0
5 SO
5 53
f 57
946
551
5 51
725
I 59
5 51
5 52
730
ID 23
552
5 49
8 7
2 25
5 52
550
8 14
11 8
5 53
5 47
"59
3 16
5 53
5 4«
9 b
ev. I
5 54
546
10 2
4 16
5 54
546
10 8
I 3
550
5 44
II 12
5 24 '
S 54
5 44
II 18
2 10
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
Sun
Rises. Sets. Rises.
H. M.
528
5 29
S 30
S31
5 32
5 33
5 34
5 35
5 35
5 36
5 37
538
5 39
5 40
541
542
5 43
5 44
5 44
5 45
546
5 47
548
5 49
5 50
551
5 52
5 53
5 54
5 55
Sun
6 31
6 29
628
626
6 25
6 23
6 22
6 21
6 20
618
6 17
615
6.4
6 12
6 10
6 9
Moon
5 59
558
556
5 54
5 53
5 51
5 50
II 21
morn
20
I 43
3 o
4 18
sets
6 52
7 18
7 49
8 24
9 4
9 52
1047
II 46
morn
47
1 49
2 51
3 4'3
448
rises
6 7
633
7 I
736
8 20
9 14
10 16
Calendar for
Charleston, N. Caro-
lina, Tennessee, Geor-
gia, Alabama, Missis-
sippi AND Louisiana.
Rises. Sets. Rises. Ch'n
H. M.
5 34
5 35
5 35
5 36
5 37
5 37
538
5 39
5 39
5 40
541
541
542
5 43
5 43
5 44
5 45
5 45
5 46
546
5 47
548
548
5 49
5 50
5 50
5 51
5 52
52
546 III 25 'I 5 53
6 25
6 24
6 22
6 21
6 20
6 19
6 17
6 16
6 IS
613
6 12
611
6 9
6 8
6 7
6 5
6 4
6 2
6 I
6 o
558
5 57
556
5 54
5 S3
5 52
5 5°
5 49
548
546
" 43
morn
43
2 o
3 '3
427
sets
655
7 27
8 I
840
9 24
10 13
11 8
morn
6
1 5
2 4
3 I
356
4 51
rises
6 3
644
7 16
7 54
8 41
9 35
10 36
11 43
1 32
2 45
3 59
5 7
6 5
6 57
7 43
8 24
9 8
9 SI
10 41
11 31
morn
28
1 31
2 36
3 36
431
518
5 59
638
7 14
7 47
8 20
9 °
9 37
10 25
11 16
ev. 16
Moon's phases.
D.
New Moon,
7
First Quarter,
14
Full Moon,
22
Last Quarter,
30
Boston.
H. M.
8 16 Morning
6 24 Morning
ID 50 Mornini
1 36 Miirnini
New- York.
H. M.
8 4 Morning.
6 12 Morning.
10 38 Morning.
I 24 Morning.
Washington.
h
M
1
7
52
Morning.
0
0
Morning.
10
26
Morning.
I
12
Morning.
Charleston. Sun at Noon Mark.
h. m.
7 40 Morning
5 48 Morning.
10 14 Morning.
1 o Mornine.
D.
h.
M.
s.
r
II
59
43
9
II
57
4
17
II
54
26
=5
II
SI
28
■o«<38639^3$S»<=—
.'^.TP^^^i^Sygi
THE NEW-YORK ALMANAC.
How Beautiful is Night ! '
(Sec page 31.)
<^2g@@^.§i
_— <^^^sp
THE NEW-YORK ALMANAC.
rpHE married man, whose property would not
-^ of itself be sufficient to support his family in
case of his sudden death, ought to insure his life.
And there ought to be no mistake about that
sufficiency either. If a man's property is subject
to sudden depreciation, if it would be left in a
shape in which his family could not obtain from
it a good living at once, and without sacrificing
any part of it, then he ought to be insured. In-
surance often saves an estate. Remember how-
many families are in good circumstances while
the husband and father lives, who are pinched
and harassed for money when he dies. Life in-
surance would have saved them.
r KNOW of two beautiful things: the starry
-*- heavens above my head, and the sense of
duty within my heart — Immannel Kant.
TT is a sad weakness in us, that the thought of
-*- a man's death hallows him anew to us ; as if
life were not sacred too ; as if it were compara-
tively a light thing to fail in love and reverence to
the brother who has to climb the whole toilsome
steep with us, and all our tears and tenderness
were due to the one who is spared that hard fort-
une.
QLOTH makes all things difficult, but industry
^ all easy ; and he that riseth late must trot all
day, and shall scarce overtake his business at
night ; while laziness travels so slowly, that pov-
erty soon overtakes him.
USE what talent you possess. The woods
I would be very silent if no bird sang there
i but those which can sing best.
Tenth Month.
©cto&c^, 18^^.
Thirty-one Days
S
h
•J.
0
w
>•
^
^
^
U.
u.
c
0
0
>.
^
>.
<
<
<
"
SA
C
274
I
Mon
27-;
2
Tues
276
Wed
277
4
Thur
278
s
Fri
270
6
Sat
2Ho
7
^
281
8
Mon
282
Q
Tues
28:,
Wed
284
II
Thur
28'i
12
Fri
286
n
Sat
287
i|
;^
288
• s
Mon
280
16
I'ues
290
17
Wed
2QI
iS
Thur
292
iq
Fri
29.3
20
Sat
294
21
S
295
02
Mon
290
23
Tues
2q7
24
Wed
2q8
25
Thur
299
26
Fri
jOO
27
Sat
301
23
^
302
29
Mon
30^
■>,o
Tues
304
3«
Wed
Calendar for
Boston, N.Y. State, New
England, Wisconsln,
Michigan, iowa,
AND Oregon.
H. M.
542
5 40
S39
5 37
5 35
5 33
S 32
5 30
528
5 27
52s
523
5 22
5 20
5 19
5 17
5 15
S 14
617
e 18
5 12
5 II
6 20
6 21
M
6 22
S 6
623
5 5
b24
626
5 3
■; 2
6 27
628
5 I
4 59
6 29
4 57
03.
4 57
6 32
455
H. M.
morn
30
1 46
3 4
4 21
5 39
sets
6 8
644
732
8 22
9 21
10 25
11 29
morn
33
J 35
2 36
338
440
5 42
rises
5 23
6 6
6 57
7 55
9 4
10 16
11 31
morn
46
H. M.
6 32
742
84s
9 39
10 29
11 15
II 56
morn
42
1 29
2 19
3 12
4 6
5 3
6 3
658
748
834
9 17
9 57
1037
II 16
II 56
ev.36
1 25
2 16
3 9
4 7
5 10
613
7 17
Calendar for
N. V. cn V. Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
556
5 43
morn
5 57
541
34
558
5 39
1 49
5 59
5.38
3 6
6 0
5.3b
4 21
6 I
5 35
538
6 2
5 33
sets
b 3
531
bi3
t. 4
530
6 50
b S
528
7 39
t, 7
5 27
8 29
6 8
525
9 28
b 9
523
10 31
6 10
522
II 34
6 II
520
morn
6 12
519
37
bi3
517
138
bi4
Sib
238
bi5
5 14
338
6 16
5 13
4 39
bi8
5 12
540
6 19
5 10
rises
6 20
5 9
532
6 21
5 7
bi3
622
5 b
7 4
b23
5 4
8 2
6 24
5 3
9 10
626
5 2
10 21
6 27
5 I
II 34
628
4 59
morn
6 29
458
49
4 27
5 30
6 25
7 13
7 57
841
928
10 14
11 2
II 57
morn
53
1 50
249
3 43
4 33
5 19 ,
6 3
643
7 22 1
758 I
8 39 I
9 22 I
10 II !
1058 I
11 54 I
ev.54 1
156
2 59
Calendar for
Washington,
Maryland, Ken-
tucky. VIRGINIA,
Missouri and
California.
Sun
Sun
Rises.
Sets.
H. M.
H. M.
5 55
5 43
55b
5 42
5 57
5 40
558
5 39
5 59
5 37
6 0
5 35
6 I
5 34
6 2
532
b 3
5 31
b 4
5 29
b s
S28
b 6
5 26
b 7
525
b 8
523
b 9
5 22
0 ID
5 21
bii
s 19
612
S18
613
516
bi4
5 15
bis
5 14
6 16
5 13
6 18
5 11
6 19
5 10
6 20
5 9
621
5 8
6 22
5 6
6 23
5 5
6 24
5 4
6 25
5 2
626
5 I
Moon
H. M.
morn
39
1 53
3 8
4 22
5 37
sets
6 18
656
746
837
9 35
1037
II 40 j
morn j
41
I 40
239
338
438
538
rises
538
6 19
7 II
8 9
9 17
10 27
11 39
morn
51
Calendar for
Charleston, N. Caro-
lina, Tennessee, Geor-
gia, Alabama, Mississ-
ippi and Louisiana.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
5 54
5 45
morn
5 54
5 44
54
5 55
542
2 3
55b
541
3 14
5 57
5 40
423
5 57
5 39
5 33
558
5 37
sets
5. 59
53b
6 32
6 0
5 35
7 15
6 0
5 33
8 7
6 I
532
858
6 2
5 31
956
6 2
5 30
1055
b 3
5 ?9
II 55
b 4
5 27
morn
b 5
S 26
53
b 5
525
I 49
6 6
5 24
244
b 7
5 23
3 39
6 8
5 22
4 35
b 9
5 21
5 31
b 9
5 19
rises
6 10
5 18
5 54
6 II
5 17
639
6 12
51b
7 33
bi3
5 IS
8 30
bi3
5 14
936
6 14
5 13
1043
bis
5 12
II 51
6 16
5 II
morn
617
510
59
Ch-n.
H. M.
2 32
3 42
4 45
5 39
6 29
7 15
7 56
8 42
929
10 19
11 12
morn
6
1 3
2 3
2 18
3 48
4 34
5 17
5 57
b 37
7 16
7 56
8 36
9 25
10 16
11 9
7
1 10
2 13
3 17
ev
Moon s Phases.
Boston.
New Moon, i 6
First Quarter. I 13
Full Moon, 22
Last Quarter, I 29
H. M.
5 14 Evening.
10 58 Evening.
2 46 Morning.
9 37 Morning.
New-York.
H. M.
5 2 Evening.
10 46 Evening.
2 34 Morning.
9 25 Morning
Washington.
H. M.
4 50 Evening.
10 34 Evening.
2 23 Morning.
9 13 Morning.
Charleston.
H. M.
4 38 Evening.
10 22 Evening.
2 II Morning.
9 I Morning.
SUN AT Noon Mark.
-<>«<3$^:3Ce35S>x=—
H. M. S.
II 49 29
II 47 9
II 45 19
II 44 6
i.
THE NEW-YORK ALMANAC.
23
A Gone Chipmunk.
(Sec page 3J. )
"TTITIIO ever possessed integrity that did not j man may possess it. The poorest may have it,
' ' derive untold advantage from it? It is and no power on earth can wrest it from them.
better than riches, it is of more value than " dia- I The young should prize integrity of character
monds and all precious stones ; " and ^■ct i-vcr\- i above all eartlily attainments.
I^<^^^^-
<-=S^^.<§,->^
e
— =o«<38^>Ce3$Sx'':=
24
THE NEW-YORK ALMANAC.
rpHAT is the bitterest of all — to wear the yoke
-*- of our own wrong-doing. But if you sub-
mitted to that, as men submit to maiming, or a
life-long, incurable disease — and made the un-
alterable wrong a reason for more effort toward
a good — that may do something to counter-bal-
ance the evil. One who has committed irreme-
diable errors may be scourged by that conscious-
ness into a higher course than is common.
There are many examples. Feeling what it is to
have spoiled one life, may well make us long to
save other lives from being spoiled.
— George Eliot.
rpHE ripest fruit will not fall into your mouth.
-*- Great wealth comes by destiny ; moderate
wealth by industry. The pleasure of doing good
is the only one that does not wear out.
A N angry letter never accomplishes the desired
■^-^ end, and an insolent one harms none but
the writer. This is true of all correspondence,
but more especially when applied to communica-
tions of a business nature. In this department
the true gentleman is easily recognized, and with
him, above all others, is it gratifying to deal.
His demands, which if couched in other language
would be rejected, are often complied with, and,
whatever the business, there is satisfaction in
performing it.
T3EACE does not dwell in outward things, but
-*- within the soul. We may preserve it in the
midst of the bitterest pain, if our will remain firm
and submissive. Peace in this life springs from
acquiescence even in disagreeable things, not in
an exemption from suffering.
Eleventh Month.
S
t-
z
0
>"
S
^
B.
t.
U.
0
0
0
>
>
^
<
<
Q
Q
D
^o.s
I
Thur
^06
2
Fri
307
3
Sat
3oii
4
^
3oq
S
Mon
^lO
6
Tues
311
7
Wed
^12
8
Thur
^n
P
Fri
114
10
Sat
SIS
II
:S
^i6
12
Mon
317
13
Tues
V8
14
Wed
319
15
Thur
^20
lb
Fri
321
17
Sat
322
18
^
323
19
Mon
324
20
1 ues
32^
21
Wed
326
22
Thur
327
23
Fri
328
24
Sat
32Q
2S
S
330
26
Mon
311
27
Tues
332
28
Wed
333
29
Thur
334
30
Fri
Calendar for
Boston, N.Y. State, New
England, Wisconsin,
Michigan, Iowa,
AND Oregon.
633
(J 34
636
6 37
6 38
6 39
6 41
6 42
643
644
646
647
648
649
65'
6 52
653
654
656
657
658
659
7 o
7 2
7 3
7 4
7 5
7 6
7 7
H. M.
4 54
4 53
4 51
4 50
4 49
448
4 47
4 45
4 44
4 43
442
4 41
440
4 39
4 39
438
4 37
436
4 35
4 34
4 34
4 33
4 32
4 32
4 31
431
4 30
4 30
430
4 29
315
4 31
548
7 4
sets
6 8
7 7
8 10
9 16
10 21
11 24
morn
24
1 26
2 27
327
431
5 37
646
rises
5 49
654
8 7
9 23
10 37
11 51
morn
1 2
2 15
H. M.
8 14
9 8
958
1049
II 34
morn
20
1 12
2 2
2 so
3 39
4 28
5 17
6 7
657
742
830
9 15
10 o
1049
ev.22
1 IS
2 8
3 o
3 54
4 50
5 47
643
741
CALENDAR FOR
N. Y. CITY, PHILADELPHIA,
NEW JERSEY, PENNSYL-
VANIA, Connecticut,
Ohio, Indiana and
Illinois.
Su
63°
631
632
634
635
636
637
638
640
641
642
643
644
646
647
648
649
6 50
651
.. ,653
II 34 i 654
655
656
657
658
659
7 o
7 2
7 3
7 4
Sun
Moon
Sets.
Rises.
H. M.
H. M.
4 57
2 I
4 56
3 15
4 54
4 29
4 53
5 45
4 52
659
4 51
sets
4 50
bis
4 49
7 13
448
8 16
4 47
9 21
446
10 2S
4 45
II 27
4 44
morn
4 43
26
442
I 27
441
2 26
440
325
4 39
428
4 39
5 33
438
6 41
438
rises
4 37
556
436
7 0
436
813
4 35
927
4 35
10 40
4 35
II 52
4 34
morn
4 34
I 2
4 34
2 14
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
Sun
Sun
Rises.
Sets.
H. M.
H. M.
6 27
5 0
628
4 59
6 29
458
b3i
4 57
6 32
45b
f 33
4 55
634
4 54
b3S
4 53
636
4 52
6 37
4 SI
638
4 50
639
4 49
6 40
448
6 41
4 47
643
4 47
644
446
t>4S
4 45
646
4 44
647
4 44
648
4 43
649
4 43
6 50
442
bsi
442
052
441
0 53
4 40
bSS
4 40
656
440
^57
4 40
658
4 39
659
4 39
Moon
3 14
4 27
5 41
654
sets
6 22
7 21
8 23
927
10 29
11 30
morn
28
1 28
2 26
3 23
4 25
529
635
rises
6 3
7 7
8 18
931
1043
II 53
morn
1 2
2 12
Calendar for
Charleston, N. Caro-
lina, Tennessee, Geor-
gia, Alahama, Mississ-
ippi AND Louisiana.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
6 18
5 9
2 5
6 19
5 9
3 13
6 19
5 8
4 21
6 20
5 7
531
6 21
5 6
6 40
6 22
5 5
sets
6 23
5 4
643
5 24
5 4
741
62s
5 3
842
626
5 2
9 43
6 27
5 2
10 42
627
5 I
II 40
628
5 0
morn
6 29
5 0
34
0 30
459
I 30
b3i
4 59
2 24
6 32
458
318
633
458
4 16
b34
4 57
51b
b3S
4 57
6 19
636
4 56
rises
b37
4 5f
6 24
638
4.Sb
7 27
638
4 55
83s
639
4 55
9 44
6 40
4 55
10 51
6 41
4 55
1.58
b42
4 54
mom
643
4 54
I 2
644
4 54
2 7
H. M.
4 14
5 8
558
6 49
7 34
8 20
9 12
10 2
'SO
11 39
morn
28
1 17
2 7
2 57
3 42
4 30
5 15
6 o
649
7 34
8 22
9 15
10 8
11 o
II 54
ev.so
1 47
2 43
3 41
Moon's Phases.
New Moon,
First Quarter,
Full Moon,
Last Quarter,
Boston.
H. M.
4 4 Morning.
7 o Evening.
5 35 Evening.
S 22 Evening.
NEW- York.
H. M.
3 52 Morning.
6 48 Evening.
5 23 Evening.
5 10 Evening.
Washington.
3 40 Morning.
6 36 Evening.
5 II Evening.
4 58 Evening.
Charleston.
H. M.
3 28 Morning.
6 24 Evening.
4 59 Evening.
4 46 Evening.
SUN at Noon mark.
D. H. M. s.
I II 43 40
9 II 43 59
17 ; II 45 13
2S ^ II 47 18
WM;i^x;^>
-=X§8626c$8S>'c=-
f
26
-==x<3862Ce38S»c=
THE NEW-YORK ALMANAC.
— ^Ssg^^^S"
CHKISTMAS is coming, and the best Christmas
present a man can make to his wife and
children is a life policy in their favor. If a hus-
band dies leaving no will, the law steps in and
says the wife shall only have one-third of his
property, though he may have but a single child.
And to ascertain how much that third is, the whole
estate must sometimes be sold, even to the house-
hold furniture. Meddlesome friends, guardians,
and lawyers sometimes leave a family little peace
and less property, if matters are not settled
beforehand. Think of it, you who have families,
loving and beloved, and think of it in time. Let
your policy be a generous one ; give your wife
enough to support her in the manner you would
like to see her live, and let the children share
alike in the balance.
"\ /TOST men, probably, or most business men,
-^^^ at least, are now convinced of the advan-
tages of life insurance, and the problem is no
longer whether they will insure at all, but what
company they will insure in. In selecting a life
insurance company three things are to be con-
sidered : First, The adequacy of its resources or
surplus capital. Second, Its ability to stand in
the midst of fierce competition, as proved by
continued existence for a period of years ; and,
Third, The carefulness of its business manage-
ment, as shown by the steady growth in the
number of insured, combined with an equally
steady increase in the amount of assets over lia-
bilities. In all these particulars the New-York
Life Insuranxe Company makes a flattering
exhibit.
Twelfth Month.
Thirty-one Days.
s
<
2
0
u
u.
u.
tl-
0
0
0
>
>
>
<
■<
U
Q
Q
^1=;
I
Sat
336
2
S
317
3
Mon
33«
4
Tues
33Q
5
Wed
340
6
Thur
341
7
Fri
312
8
Sat
343
9
S
344
10
Mon
34S
II
lues
146
12
Wed
347
13
Thur
348
14
Fri
349
15
Sat
3 so
lb
^
3SI
17
Mon
3S2
18
1 ues
353
IQ
Wed
354
20
Thur
35S
21
Fri
356
22
Sat
357
2^
_S
35«
24
Mon
350
25
1 ues
^60
26
Wed
,6i
27
Thur
^b■z
28
Fri
-M
29
Sat
364
30
-^
365
31
Mon
Calendar for
Boston. N. y. state, New
England, Wisconsin,
Michigan, iowa,
AND Oregon.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
7 10
429
329
7 II
429
4 43
7 12
428
558
7 13
428
7 9
7 14
428
sets
7 15
4 28
5 53
71b
428
7 0
7 17
4 28
8 5
7 17
4 28
919
718
4 28
10 13
7 19
428
II 13
7 20
4 28
morn
721
428
13
7 22
4 28
I 14
7 22
4 29
2 15
723
4 29
3 20
7 24
4 29
4 26
7 24
4 29
5 35
72s
430
6 42
7 26
4 3°
rises
7 26
4 3'
5 52
7 26
4 31
7 b
727
432
826
7 27
4 32
941
728
4 33
1054
728
4 33
morn
728
4 34
6
729
4 35
I 19
729
43b
2 32
729
4 37
3 45
7 30
4 37
4 57
H.M.
8 40
9 33
10 26
11 19
morn
6
53
1 40
2 23
3 4
3 46
4 28
5 12
6 I
6 47
741
835
931
10 26
11 20
ev.13
1 5
156
2 45
3 31
4 22
5 14
611
7 14
815
915
Calendar for
N.Y. City, Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
Sun
Sun
Rises.
Sets.
H. M.
H. M.
7 5
4 34
7 b
4 33
7 7
4 33
7 8
4 33
7 9
4 32
7 10
432
711
432
7 12
432
7 13
4 32
7 14
4 32
715
4 32
7 IS
432
71b
4 33
710
4 33
7 17
4 33
718
4 33
718
4 33
7 19
4 34
7 20
4 34
7 20
4 35
721
4 35
7 21
43b
7 22
4 37
7 22
4 37
723
438
723
4 39
723
4 39
7 23
4 40
7 24
440
724
441
7 24
4«
H. M.
3 26
4 39
5 52
7 3
sets
6 o
7 5
8 10
9 23
10 16
11 14
morn
13
1 12
2 12
3 16
421
5 29
6 35
rises
558
7 II
8 29
9 43
1055
morn
5
1 16
2 28
3 40
4 51
H.M.
5 25
6 19
7 II
8 I
851
9 39
10 23
11 6
II 49
morn
32
1 IS
158
2 47
3 33
4 26
5 20
6 17
711
8 3
859
951
1038
II 27
ev. 17
1 9
2 o
2 57
3 59
4 59
6 I
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
H. M.
7 o
7 I
7 2
7 2
7
7
7
7
7
7
7
7
7 10
7 II
7 12
7 12
7 13
7 14
7 14
7 15
7 15
7 i5
7 16
7 17
7 17
7 17
7 18
7 18
7 18
7 19
7 19
H. M.
4 39
4 39
438
438
438
438
438
438
438
438
438
4 39
4 39
4 39
4 39
4 40
4 40
440
4 41
441
4 42
442
4 43
4 43
4 44
4 44
4 45
446
4 47
4 47
448
H. M.
3 23
4 35
5 47
6 55
sets
6 7
7 II
8 IS
9 27
10 18
11 IS
morn
13
1 II
2 10
3 13
4 16
5 23
6 28
rises
6 4
7 17
833
9 44
loss
morn
4
1 14
2 24
3 25
4 45
Calendar for
Charleston, N. Caro-
lina, Tennessee, Geor-
gia, Alabama, Mississ-
ippi and Louisiana.
Sun
Sun
Rises.
Sets.
H. M.
H. M.
645
4 54
645
4 54
646
4 54
b47
4 54
648
4 54
649
4 54
649
4 54
6 50
4 54
bSi
4 54
b52
4 54
0 53
4 55
6 54
4 55
bS4
4 55
bSS
4 SS
656
4S6
656
4sb
b,S7
4 56
658
4 57
658
4 57
659
458
659
458
7 0
4 59
7 0
4 59
7 I
S 0
7 I
S 0
7 I
5 I
7 2
5 2
7 2
5 2
7 2
5 3
7 2
S 4
7 3
5 4
H. M.
3 15
4 22
5 30
636
sets
6 27
7 29
8 29
9 37
10 25
11 19
morn
13
I 7
rises
6 22
7 33
843
950
10 56
morn
I
1 6
2 12
3 19
4 26
Ch'i
H. M.
4 40
5 33
6 26
7 19
8 6
853
940
10 23
11 4
II 46
morn
28
2 47
3 41
4 35
5 31
626
7 20
813
9 5
9 56
1045
II 31
ev.22
1 14
2 II
3 14
4 15
5 15
Moon's Phases.
^
New Moon,
First Quarter,
Full Moon,
Last Quarter,
' Boston.
NEW- York.
H
M.
H. M.
5
20 Evening.
5 8 Evening.
4
50 Evening.
4 38 Evening.
7
7 Morning.
6 55 Morning.
I
36 Morning.
I 24 Morning.
Washington.
Charleston.
SUN at Noon mark.
H. M.
H. M.
D.
h.
M. S.
4 56 Evening.
4 44 Evening.
I
11
49 24
4 26 Evening.
5 14 Evening.
9
II
52 46
6 43 Morning.
6 31 Morning.
17
11
56 35
I 12 Morning.
I 0 Morning.
29
12
0 34
'im^^^!^'^-
— C^^S^?^®^!
gt^^@8=5--
'-C^ee2^@^*S<
THE NEW-YORK ALMANAC
In the Sere and Yellow Leaf.
( See page 32. )
T YING is trying to hide in a fog; if you move
about you are in danger of bumping your
head against the truth ; as soon as the fog blows
up, you are sure to be discovered.
rpHE hght of love reveals such treasures of
-*- goodness, hidden from untouched eyes, that
our loved ones stand ever in a halo of beauty
I crowned and glorified. — Duff Poiier.
>-}&^^:im^^'
-^><g$$36c3$sg><^-
'-C^sg^^ig!
mw^^^z^^-
28
THE NEW-YORK ALMANAC,
3CCii4t^atioii) loi liji l]m.
The Grave of William Penn. Page 5.
William Penn'S grave is as plain and
unadorned as his life was uncontaminated
by the vices of his time. It is in a
Quaker burying-ground, called Jordan's,
near the village of Chalfont St. Giles, in
the county of Buckinghamshire, England.
The Quaker Church is still used for the
half-yearly meetings of that sect. Penn's
monument is the State of Pennsylvania.
He desired to call it Sylvania, it being
covered with forests when granted to him
by Charles II., but the King insisted upon
the prefix, in honor of Penn's father. Sir
William Penn, an Admiral in the British
Navy. The son experienced much se-
verity from his father for becoming a
Quaker, but he bore it so patiently, as he
did the fines and imprisonments inflicted
on him by the civil power, that Sir
William became reconciled to him and
left him a large amount of property. The
son spent most of this in pleading the
cause and paying the fines of his brethren
in England, and in planting his colony in
America.
Here, his dealings with the Indians
and with the colonists who settled on his
lands, were in marked contrast with those
of other proprietaries who obtained grants
in America, and the early history of
Pennsylvania is fraught with political wis-
dom. Penn's heirs did not follow out his
generous policy toward new settlers, and
at the time of the Revolution a large
number of the inhabitants were not voters
under the proprietary government. This
government, of course, opposed the Rev-
olution, as it derived all its powers and
privileges from the Crown. It was over-
thrown about the time of the Declaration
of Independence. Penn's heirs were
granted pensions from the British govern-
ment for their loyalty, and some of these,
we are informed, are still continued.
Every visitor to Philadelphia must have
noticed the regularity of the streets. The
city was planned by Penn when the coun-
try was an unbroken forest, and there were
at first ten streets running from the
Schuylkill to the Delaware, and twenty
crossing them at right angles.
T\)e Young American Farmer, Page?.
Not all American farmers' boys have a
taste for reading, but many do, and the
newspaper is pre-eminently an American
institution. Not that one can get a
thorough education from them, but they
come in at odd moments when a text-
book would not be studied by one person
in ten, and are great mental stiinulators.
Every American home ought to have its
newspaper, and more than one if possible.
But let them be real newspapers, not the
sensational and trashy sfory papers, whose
constant burden is love, jealousy and re-
venge. From these they gather false
and pernicious views of life, and false
ideas of duty, honor and courage.
77/1? Ncw-JEngland Journal of Educa-
tion notes the following conclusions of a
teacher : I have found it to be a universal
fact, without exception, that those scholars
of both sexes, and of all ages, who have
access to newspapers at home, when com-
pared with those who have not, are : i .
Better readers, excellent in pronunciation,
and consequently read more understand-
ingly. 2. They are better spellers, and
define words with ease and accuracy. 3.
They obtain practical knowledge of geog-
raphy in about half the time it requires
of others, as the newspapers have made
them acquainted with the location of the
important places of nations, their govern-
ment and doings on the globe. 4. They
are better grammarians, for, having be-
come so familiar with every variety of style
in the newspapers, from the common-
place advertisement to the finished and
classical oration of the statesman, they
more readily comprehend the meaning of
the text, and constantly analyze its con-
struction with accuracy. 5. They write
better compositions, using better lan-
guage, containing more thoughts more
clearly and more correctly expressed. 6.
Those young men who have for years been
readers of newspapers are always taking
the lead in debating societies, exhibiting
a more extensive knowledge upon a great-
er variety of subjects, and expressing
their views with greater fluency, clearness
and correctness.
i^^i^@2^>-'
—■^^^a^^i^m
-'-<N2g@@C#
THE NEW-YORK ALMANAC.
29
Tl^e Aquarium. Page 9.
An aquarium is a source of much amuse-
ment and instruction in a family of growing
children. Glass and iron are pretty expen-
sive, and wooden bottoms are liable to
swell ; but one can sometimes find in a
junk shop what he wants, cheap. The
bottom of an old box stove will make a
bottom that will not swell, and rods can
be put through the holes at the corners
to hold the glass sides. A marble slab
grooved an inch from the edge ought not
to cost much, and a handy man or boy can
do the rest. Cover up any outside ugli-
ness with shells, putty and paint, but use
no paint or white lead inside. Cover the
bottom with clean sand and gravel, an
inch or more in depth. Then put in water-
plants, salt or fresh water, according to
the kind of animals you are going to stock
it with. Use small and green plants, and
put them in a week before you do the
animals, except the snails. Put in the
animals gradually. There is danger of
getting too much animal life for the vege-
table. The following animals are recom-
mended : For salt water, salt water snails,,
minnows, sticklebacks, shrimps, small
lobsters, hermit, or soldier crabs, eels,
star-fishes, sea-anemones, barnacles. For
fresh water, fresh water snails, newts, stick-
lebacks, water-beetles, tadpoles. Keep the
tank in a cool place, and screened from
strong light. Keep the temperature be-
tween fifty and seventy degrees, Fahren-
heit. Feed salt water animals with bits of
dried meat and sea-cabbage. Occasionally
dip up the water and let it fall so as to
make bubbles. If it becomes impure, and
you cannot renew it, strain through a
sponge.
Jealousy,
Page 11.
Language seems to have been taxed
to its utmost to express the nature and
the power of jealousy. Shakespeare says :
"It is the green-eyed monster wbich doth mock
The meat it feeds on ; "
Milton speaks of it as "the injured
lover's hell ; " and Solomon declares that
it is "cruel as the grave." Among defi-
nitions, that of Cogan seems to us most
nearly correct, viz : "a painful apprehen-
sion of rivahhip in cases that are pecul-
iarly interesting to us." Jealousy in
some form or degree is very common.
From the half anger, half sorrow of the
child, which has its "nose put out of
joint," as the saying is, by the new baby,
to the deeply injured lover, or husband,
or wife, we see jealousy in a thousand
forms. Even the brutes do not seem to
be exempt from something of the sort.
From its nature, it follows that jealousy
may be either honorable or ignoble, ac-
cording to circumstaces. It is an appre-
hension of rivalship, and a rival is one
who takes away what we deem our own.
But we may claim what is not ours, what
we have not earned, nor received as a free
gift. The rightful owner may still be at
liberty to bestow it where he will, and we
have no right to complain. On the other
hand, ownership may be so complete and
irrevocable that there can be no transfer
without sacrilege, no rivalship without
wrong. To excite jealousy purposely, is
to play with fire. It is degrading when
wrongly indulged, and painful beyond
measure when there is good reason for it.
Even the child that feels it has lost its
place in its mother's heart, because it has
lost its place in her arms, is to be pitied,
reasoned with and comforted, not laughed
at and provoked to anger.
On the other hand, the tendency to jeal-
ousy is to be resisted by every one who is
old enough to understand what self-re-
straint is. There is no danger but that
we shall feel resentment enough when we
are really injured ; the great danger is
that we shall feel too much, and that we
shall be jealous without adequate cause.
And we all know how meanly we regard
a person whose character we sum up by
saying that he or she " has a very jealous
disposition."
May Dreanjs, Page 13,
In the spring a fuller crimson
Comes upon the robin's breast ;
In the spring the wanton lapwing
Gets himself another crest.
In the spring a livelier iris
Changes on the burnish'd dove ; ■
In the spring a young man's fancy
Lightly turns to thoughts of love.
— Tennyson.
Spring is the time of great expecta-
tions. The earth, rousing herself from her
long winter's sleep, seems intent on mak-
ing up lost time. Nature's forces seem no
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30
THE NEW-YORK ALMANAC.
longer silent in their working, but there
is a subtle music in the air as the sap as-
cends and twig and seed feel the thrill of
a new-found life. One can almost see the
hop-vine grow, and the forests show a new
and more enchanting face every morning.
Falling rain and moving air make more
joyous melodies than at any other season,
and the songs of birds are sweetest and
freest while building their nests and laying
plans for the year. The robin, especially,
almost chokes himself with the supera-
bundance of his song. Doubt and de-
spair have no place in an atmosphere
laden with songs of hope and promises
of harvest, and none but the confirmed
hypochondriac is unimpressed by the dom-
inant sentiment of the time.
And so spring is a time to dream ;
a time when people look into the future
with glowing eyes and fast-beating hearts,
building castles under sunny skies, and
peopling them with loving friends. The
dreams may not come true, but if they
inspire to faithful work and patient wait-
ing they are good and helpful. " The
light that never was on land or sea " may
" fade into the light of common day," but
who shall say it was not good for the eye,
while it lasted ! The husbandman is often
disappointed in his crop, but who would
deprive him of the pleasure of planting in
hope ? Our great expectations may fail
to be realized, but they serve no unim-
portant purpose in enabling us to bear
the heat and burden of the day. It is
good to be in love with the future, pro-
vided we do not despise the present.
Giving Back His Ring. Page 15.
This is not a pleasing picture — or at
least it does not suggest pleasant reflec-
tions. But there are many unpleasant
things in the world, and the best way to
treat some of them is to walk quite around
them, examine them on every side, and
so be the better prepared to avoid them.
Most people have heard of lovers' quar-
rels— not the sham kind they sometimes
indulge in, chiefly for the pleasure of
"making up" again — but real quarrels
which sometimes cause long-continued
heart-burnings and jealousies, and some-
times break off engagements altogether.
That is the sort we seem to have here.
Jack put that ring on her finger before he
went on his last voyage, and she was to
wear it "always" for his sake. But some-
thing happened — and something always
will happen if people are not careful — and
sometimes even then. ,
There is but one course for lovers, and
that is perfect frankness. Just what pro-
portion of the world's quarrels result from
misunderstandings it would be impossible
to say, but that this is a fruitful source we
think no one will question. A false pride
sometimes prevents the explanation that
would make everything right. It may be
natural to wish to be trusted, but we
ought not to tempt or try our friends
beyond what they are able to bear. Con-
fidence is a plant of slow growth, and
ought to be. More evil results from con-
fidence betrayed than from confidence
withheld — where there is plausible reason
for withholding it. If there is perfect
frankness as to facts, and then lovers can-
not agree, nor agree to disagree, then
they had better seek some desolate shore,
like this, give up rings, trinkets and
letters, bury all real animosities in the
sea, and go their ways.
The Life-Boat.
Page 17.
Life-boats — so-called because of their
efficiency in saving life — are made either
with a lining of some buoyant material or
with air-chambers. In 1790, Mr. Great-
head, of South Shields, England, made a
boat thirty feet long, eight feet wide, and
about three feet deep. It was very broad
amidships, with high sharp ends, and had
a coating of cork along the gunwale.
Mr. Greathead was rewarded by the
Society of Arts for this boat in 1802.
Francis' Metallic Life-boats of copper or
galvanized iron are now much used. They
have air-chambers at the ends, or air-
tubes along the sides. These are much
more durable than wooden boats. Ber-
dan's Compressible Life-boat has a wooden
frame and gutta-percha covering, and air-
tubes ; it is made to fold together when
not in use. Bonney's has so large an
air-chamber running from stem to stern
that it has great buoyancy even when full
of water.
The greatest difficulty connected with
life-saving by boats, when a vessel is sink-
ing, is that they are either swamped in
the hurry of launching, or else they are
over-crowded and capsized. It was pro-
posed a few years since, in view of these
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THE NEW-YORK ALMANAC.
31
difficulties, to provide ocean steamers
with life-rafts, which should be so placed
on deck that if the vessel went down they
would float. They were to be made with
railings and oars, and as they would not
sink nor capsize, and no launching would
be necessary, it was thought they would
prove valuable* Probably no steamer
ever carries boats enough to accommodate
half her passengers, and it would seem
that some such arrangement as these life-
rafts ought to be provided in connection
with the life-boats already in use.
Sl^e is i^ot Dead^ but Sleepeth, Page 19.
'TwAS thus the ruler's daughter lay,
Upon that summer afternoon
When, from beyond Tiberias' sea,
The Master came. It had been
A day of mercy. At morn
The words of life had fallen thick
Upon the ears of thronging crowds,
Like sweetest music. Anon
The threat'ning winds and waves had ceased
Their fury at His simple word.
Then demons heard His voice and left
Their weary victim at His feet,
Clothed in body, in mind aright.
And then the ruler came, with
Outstretched hands and streaming eyes,
And, falling down at Jesus' feet.
Pleaded, in husky tones and low,
For that one life, so dear to him
That all the world were naught beside.
Jesus arose and followed him.
Not ev'n the words of those who said.
" The maid is dead, trouble Him not,"
Nor yet the scoffs of those who " knew,"
Could shake the father's faith and hope ;
For, as they hurried on their way,
A touch upon His garment's hem.
Availed to heal a malady of blood,
That twelve long years had run diseased.
And now, with Peter, James and John,
The Master and the parents stand
Around the bedside of the child.
She seemeth dead, and only clay.
There is no breath within her breast ;
The heart that once through all her frame
Sent crimson tides of life and joy.
Is still. Her hands and face have such
A hue as death alone can give,
And to the touch her flesh gives back
No answering warmth. But He, whose name
Is " Lord of life and death," is here,
And when He takes her hand in His,
And calling, says, "Maiden, arise L"
She hears and rises, for she lives.
O Thou, in whom we live, and in
Whose hand and heart our being is —
Though thou may'st not give back the lives
Of those we love who go before —
Teach us who mourn at open graves.
By some sure token of thy grace.
That willingly thou dost not grieve.
Afflict, nor pain whom thou hast made ;
But that with wisdom seeing far.
And mercy that would spare and save.
Thou takest some from evils that
Would come in floods of ruin down
Upon our loved ones or ourselves.
Let faith within each sor'wing heart
Keep up an undersong of peace,
Till all our powers are consecrate.
And Love's own time and way are ours.
"I^ow Beautiful Is Night!" Page 21
How beautiful is night !
A dewy freshness fills the silent air ;
No mist obscures, nor cloud, nor speck, nor stain,
Breaks the serene of heaven :
In full-orbed glory, yonder moon divine
Rolls through the dark blue depths.
Beneath her steady ray
The desert circle spreads.
Like the round ocean, girdled with the sky.
How beautiful is night !
— Robert Southey.
" Star-gazing" is not usually considered
very profitable employment, but whatever
is beautiful ought to be admired, and the
sight of it ought to be a pleasure that is
at least not z^wprofitable. Possibly the
phrases "star-gazing" and " inoon-struck "
may have obtained a bad repute by being
associated in men's minds with exhibitions
of so-called love, which is not love at all,
but only sentimentalism and selfishness.
Because two persons enjoy a stroll in the
moonlight together, or a contemplation
of the starry heavens, it is no sign they
love each other. We once heard of a
couple who went out for a stroll upon
London bridge. The man's heart was
very near his stomach, and he asked,
"Do you like eggs?" Upon receiving
an affirmative answer, he said, " Let's get
married." Married couples cannot always
be gazing at the moon nor eating eggs.
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THE NEW-YORK ALMANAC.
A Gone Chipmunk, Page 23,
Autumn in the woods ! The leaves
hard and dry and beghining to fall. Ma-
ples and oaks glowing in rich and warm
colors, which look all the more brilliant in
contrast with the russet brown of the beach
and the chestnut, and with the pale yellow
of the bass-wood and the elm. The solemn
stillness of the woods is hardly broken by
a bird-note. Now and then you hear the
drumming of a partridge, or the hoarse
cawing of a crow, through the still Octo-
ber air. The falling leaves keep up a
gentle rustling, and occasionally one hears
the thud of acorns and chestnuts. The
squirrels arc in the tree-tops gathering
their winter's supply. There is a soft haze
upon the hills, that melts away as you ap-
proach ; there is a shimmer in the atmos-
phere every where.
It is a delight to live out of doors, in
the woods and in the fields, such days as
these. The burning heat of summer is
gone ; there is yet no sign of November
rains and leaden skies. The farmer is
husking corn, or picking apples, or dig-
ging potatoes, or like this one, cutting his
winter's fire-wood. The fruitage of the
year has ripened, and there are signs of
plenty and good cheer on every side.
The children are all at home. The sum-
mer school is "out," the winter school has
not begun. For our city friends must
know that they have two sessions a year in
the country, with long vacations in the fall
and spring. It is the children's time for
outdoor frolics and fun. Mother and the
grown-up girls have a quiet time in the
house. The older boys work early and
late during most of the week that they
may go gunning or nutting on Saturday
afternoons. The others work or play, as
suits their fancy, and with the dogs are
frequently found in some such quest as we
see them here.
Going to Thanksgiving, page 25.
Thanksgiving is one of those precious
times when scattered households are re-
united, when the young have almost an
excess of happiness in release from school,
in the companionship of uncles, aunts,
cousins and grandparents, and in the
abundance of good things under which
the tables are said to "groan" — perhaps
because they have no stomachs. The
aged grow young again, participating in
the joys of the young, and even the pain
with which they are accustomed to think
of the "empty chairs," is soothed by the
remembrance of abounding mercies. No
matter where the gathering is on such
days, grandma and grandpa have the
places of honor, and the little ones ask no
greater privilege than that of sitting or
riding or walking next to them. And it is
often difficult to tell which are happier.
In the Sere and Yellow Leaf, Page 27.
Old age, disappointment and perplex-
ity are heavy burdens. This old man
seems to have them all. He looks as
though he might appropriate Byron's
words, yet without Byron's reasons :
" My days are in the yellow leaf;
The flowers and fruits of love are gone ;
The worm, the canker and the grief
Are mine alone."
The last days of some are doubtless
their best days, but with others, growing
old is a painful thing. The work of the
world is chiefly done by the young and
the middle-aged; hence it is they who
give tone to society, and in general deter-
mine what sort of a place the world shall
be to live in. As manners and customs
and fashions change, it is not strange that
one who is growing old should think the
old ways best. The trouble generally
arises, not from simply thinking so, but
in treating divergence from the old paths
as a moral delinquency.
No one can " grow old gracefully" with-
out keeping in sympathy and companion-
ship with the young. He need not make
light of their faults nor participate in their
follies, but he must not regard either as
unpardonable sins. He must find some-
thing to enjoy with them. Some old peo-
ple find the world bright and good to the
last — which is to say, they enjoy the com-
panionship of their kind. They do not
frighten children from them by severity
and moroseness, nor continually sit in
judgment upon the doings of the middle-
aged. They do not complain much of
their own aches and pains, even though
they may be severe. They look at the
bright side, and try to show it to others.
They have a cheery word for everybody,
and their rebuke does not so much hurt,
as heal what sin had hurt enough already.
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THE NEW-YORK ALMANAC. 33
SlMlde 3(e^a&g^.
Little Snovz-drop.
BY JIARY E. BRADLEY.
Once, in the time of childhood's sweet romances,
I watched a snow-storm gathering in the sky,
And pleased myself with idle dreams and fancies
About the airy flakes that fluttered by.
" They are not snow-flakes, they are winter fairies,
That fly about to see what children do ;
I mean to make a wish," I cried, "and there is
The very one to make my wish come true ! "
It floated down, a delicate snow-feather.
And on the window-coping lightly lay :
I laughed with glee and clapped my hands together —
" It grants my wish ; it does n't fly away ! "
So through the night my fairies, trooping lightly.
Their curling wreaths and dainty fleeces piled,
And when the next day's sun shone on them brightly.
It shone nowhere upon a happier child.
For while I slept, without a dream for warning,
The wish I wished had come exactly true.
And in my mother's arms I found that morning
A baby sister with her eyes of blue.
I had not guessed there could be such a turning
Of childish fancy to the actual thing;
Though many a time, with unacknowledged yearning,
I pictured all the sweetness it would bring.
And yet not all, — there are no words for showing
Her sweetness, nor the joy it brought to me,
A little snow-drop of the winter's growing,
No summer blossom was as fair as she.
Her cheeks had such a color, faint and tender.
As brier-roses in the hedges wear ;'
And as she grew, a soft, sunshiny splendor
Seemed always floating from her golden hair.
It was as if an angel, not a sister.
Looked out at me from her clear, shining eyes ;
Alas ! it was not long before they missed her.
The angels she resembled in the skies !
I
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THE NEW-YORK ALMANAC.
One summer night, like sudden moonlight streaming
Across the threshold of the door, they came ;
I saw their faces, and I was not dreaming,
I heard them call the baby by her name.
They gathered swiftly round my little sister,
And one flew downward, with out-reaching hand:
'Come, little Snow-drop!" — and he softly kissed her-
" The Father wants you in the happy land!"
My mother said I dreamed, for I was lying
Upon the floor, her cradle-bed beside ;
Tired out with watching and with bitter crying.
She would not wake me when the baby died.
It was not dreaming, though ; I saw them clearly ;
Some day, perhaps, it may be mine to see
The baby sister that I loved so dearly
Leading the angels down to look for me !
— S/. Nicholas.
The Cunard Service.
[Thh following extracts from an article on this subject in Appletoti s Journal, "by the son of a late officer," afford
a grand illustration of the value oi a strict adJierence to the safist hno-wn principlss of action. No words of ours can
add to its impressiveness, and we will only express the hope that the lesson which it teaches may be kept in mind
during the perusal cf the pages that follow. See, especially, article "A Great Success and its Causes," pages 43
and 44. — Ed. |
Forty-six years ago an enterprising
Nova-Scotian, Samuel Cunard by name,
conceived the idea of establishing a line
of mail -steamers to run between England
and America. The scheme was not a very
bold one, for the voyage had already been
made by several steamers ; but Mr. Cunaid
was cautious, and turned it over and over
in his mind for some years before he finally
decided to act upon it. He then went to
England, and took into partnership with
him two small shipping firms — the Messrs.
Burns, of Glasgow, and the Messrs. Mac-
Iver, of Liverpool, wh o v ned a few coast-
ers trading between these two ports ; and
in 1840 the now famous Cunard Line was
opened by the sailing of the " Britannia"
from Liverpool for Halifax and Boston.
The enterprise did not call for great in-
ventive genius, but its success depended
on the unswerving application by its pro-
jectors of the common principles of busi-
ness integrity. They had to build sound
ships, and to keep them in repair ; to man
them with faithful navigators ; never to
overload them, nor sacrifice them to speed,
nor run risks of any kind. The hope of
gain is the primary impulse of all business,
of course : and it actuated Mr. Cunard and
his partners as it actuates pll merchants,
but with them it never became a lust.
The seed they planted lay deep in the
soil, and was a very slow growth. " The
richer a nature, the harder and slower its
development. The quickest and com-
pletest of all vegetables is the cabbage,"
writes Carlyle.
Now, if the originators of the Cunard
Line had been impatient or speculative
instead of patient and cautious, they would
have probably met with disasters of some
kind sooner or later ; but, since the first
sailing of the " Britannia," they have built
and owned over one hundred and fifty
large steamers, with an aggregate tonnage
of 152,361, and an aggregate horse-power
of 46,012. The steamers have made con-
siderably over 4,000 trips, a distance of
about 12,000,000 miles, and have carried
over 2,000,000 passengers to and fro on
the stormiest of oceans, without losing a
life, or even a letter in the mails intrusted
to them. They have been detained by
fogs and gales and mishaps, and occasion-
ally they have been given up as lost ; . . .
but, winter and summer, through the
hardest gales, hurricanes, and cyclones of
thirty-six years, the Cunard steamers ha\'e
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THE NEW-YORK ALMANAC
35
made their ports, until now their black
hulls and red smoke-stacks arc as symbolic
of security as is a Bank of England note.
What a picture of fidelity, courage, wis-
dom, and honesty this record presents !
What a prodigious evolution of commercial
integrity and nautical skill ! As a mere
example of business enterprise and rapid
growth, the Cunard service deserves a
place by the side of the express and the
telegraph ; while as a corporation wedding
the best qualities of the human heart and
intellect with financial stability, it is almost
heroic.
I have heard complaints that the Cunard
officers are uncivil to their passengers.
Perhaps they are. We ought not to ex-
pect the refinement of a courtier in a man
who has been brought up to the rough
usages of sea-life. Perhaps they are not.
A brusque manner is often the shield of a
true and simple-hearted gentleman. But,
whether they are or are not ungracious,
they are good and faithfial seamen, and
that, after all, is the essential point— at
least it has always seemed so to me when
coming down the Irish Channel from
Liverpool to Queenstown in a fog or gale,
with a threatening coast on both sides. I
have watched the captain then with much
reverence, and have been as studious of
his moods as his subordinates were. Out
on the bridge he has stood, swathed in
oil-skins, and his beard glistening with
moisture, for a period of thirty-six hours
or longer, without relief, and without other
refreshment than a bottle of beer or a cup
of coffee — all his energies and senses con-
centrated in his duties with exhausting
intensity. The steamer has seemed to be
imbedded in the yellow fog, which has
hidden her topmasts and subdued the
blight scarlet to a pink. The mates and
sailors have been relieved from time to
time, but the captain has never moved
from his place until the veil has lifted ;
his eyes have been steadily fixed on the
dimmest shadow that has projected itself
through the haze, and his ears strained to
catch the faintest echo.
Of the two million passengers carried
to and fro, more than half the number
have been Americans ; and I wonder how
many of these, who have passed through
a storm on the ocean, are not sensible of
a debt of gratitude to the Cunard Line ?
Two or three winters ago, the " Calabria"
was crossing in command of that grand
old seaman. Captain McMickan, and when
she was about half-way across, the wind
increased to such an extraordinary degree
of violence that it was impossible to keep
her up to it. Many a vessel has foundered
under similar circumstances ; but Captain
McMickan was fully equal to the situation,
and saved his steamer by a feat of seaman-
ship which won immediate recognition as
having few parallels for bravery and skill
in naval history.
The discipline is inexorable, and each
captain is an autocrat on board his own
ship. Of course, it makes a wonderful
difference in the pleasure of a voyage if
the commander is affable and studious of
the passengers' comfort, or curt and un-
civil ; but, of the two, I would prefer the
man who is often on the bridge and ab-
sorbed in the reckonings, even though he
is saturnine and sometimes gruff, to the
man who is fond of saloon company, whist,
walnuts, and wine. After-dinner chat in-
stead of chart-studying, sleeping instead
of watching, flirtations with the ladies in
the cabin instead of inspections of the men
in the forecastle, have cost many hundreds
of lives, although I do not wish it to be
inferred from this that incivility is any
recommendation for a sailor. Brave old
Commodore Judkins was austere in his
manner, and it certainly was not safe to
trouble him with silly questions when the
weather was bad ; but no one could ever
doubt his ability, and for thirty years or
more his ship carried the best-paying class
of passengers, who booked their state-
rooms six months beforehand, such was
the confidence his unremitted attention to
duty inspired. The late A. T. Stewart
invariably crossed with him, and used to
declare that he could never feel afraid, not
even in the worst storm, while Captain
Judkins was on the bridge, and this sense
of security was generally shared by all who
traveled with him. He retired from the
service two or three years ago, after hav-
ing made over five hundred voyages.
Some time ago a young man, crossing
in one of t,he steamers, was interfered with,
in something he was doing against the
rules of the ship, by the captain, John
Macauley, a bluff old seaman, who had
risen from the ranks, and who is now the
company's superintendent in Boston. The
passenger said he had received permission
from the purser. "The purser, sir ! " cried
Macauley, in his deepest voice, and draw-
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36
THE NEW-YORK ALMANAC.
ing himself to his fullest height — "the pur-
ser, sir ! — / am commander of this ship ! "
That was characteristic of another thing
about the service ; there is never any
doubt among the officers or men as to
who the captain is, and m times of peril
this is a very important thing.
The discipline is not often extended to
tlie passengers, but the saloon will not
harbor any one who breaks the rules.
Seven years ago I crossed with Captain
Murphy in the "Tarifa," and among the
cabin passengers were some fast young
Englishmen, who were one day caught by
the purser, Mr. Quintin Leitch, insulting
some women in the steerage. Mr. Leitch
threatened to put them in irons, and they
immediately went to the captain with an
indignant remonstrance. " By Jove," cried
he, when he had heard them, "if I ever
hear of your going into the steerage again,
I will put you in irons myself!"
They are a steady-going, conservative
lot, the old Cunarders, and never do their
business with a flourish or spasm — neither
the owners nor the officers. The line,
which includes over fifty large steamers,
remains exclusively in the hands of the
firm that started it. There is no stock-
jobbing or patronage about it. The men
employed are selected for their worth, and
not at the instigation of any meddlesome
director. The chief consideration in build-
ing the ships is strength, and the second
consideration is speed ; but strength is
never sacrificed to speed or appearances.
The manager in Liverpool is Mr. Charles
Maclver, one of the founders — whose son
is one of the members of parliament for
the town — a straight, shrewd, practical
man, with a personal knowledge of nearly
all his officers, and a still more intimate
knowledge of his ships. He exacts the
strictest attention to duty, and never par-
dons an error in this direction. He often
drives down to the docks and inspects the
steamers in port from the stoke-hole to the
wheel-house. The hour of his coming is
never known, and if any man is found
away from his post, that man, might as
well resign. An officer (Mr. G ) died
in Liverpool recently who had for nineteen
years held the same position in the service,
while others had been promoted over his
head. He was a sober man, an experi-
enced sailor, and a skillful navigator.
Many wondered why he never rose, and
some tell this anecdote in explanation.
One night old Mr. Maclver drove down
to the Huskisson Dock, and asked, on one
of the steamers, for the officer in charge.
The watchman stated that he had gone on
shore, but would be back in an hour or two.
" Who is it?" asked Mr. Maclver.
"Mr. G , sir."
" Very well ; when Mr. G comes on
board, tell him to take my carriage and
drive to my house."
When Mr. G reached the house he
found Mr. Maclver seated in his library.
"You were absent from your post to-
night, sir; I wanted to see you, sir; that's
all." And Mr. G was bowed out by
the implacable old Scotchman, in whose
eyes a neglect of duty was the worst possi-
ble offense; and never from that night to
the day of his death was he promoted to a
more responsible position.
On another occasion Mr. Maclver was
on board one of the steamers as she was
passing from the river into dock, and stood
watching some sailors hauling a rope under
the direction of a mate in uniform, who
was helping them with a will. Mr. Mac-
lver was secretly pleased with his zeal, but,
touching him on the shoulder, said, with
affected severity, "We do not engage you
for that kind of service, sir ! " The mate
relinquished the rope at once, expecting a
further reproof; but during the next week
he was promoted from the third to the
second rank.
Few changes ever take place in the
organization of the line. In the Liverpool
office the same men, except where death
has left a mark, are found at the same
desks, attending to the same duties, as
were found there fifteen or twenty years
ago — a trifle older and grayer, but in most
other things apparently unaltered. The
little steam-tender " Satellite" runs to and
fro with passengers and mails between the
landing-stage and the large steamers lying
in the river, as she has done for the past
thirty years. Old Captain Hetherington
is still on her bridge, with the same old
helmsman beside him. Some of the old
employes have gone into the newer lines,
however, for which the Cunard service has
been a nursery, supplying managers, cap-
tains, officers, and engineers. Captain
Kennedy, of the " ' Germanic, " for instance,
was, for many years, chief officer of the
"Scotia;" and Captain Forsyth, of the
" Dakotah," will be remembered by trav-
elers as chief officer of the "Persia."
h§®i§@i5^>-
-==»<33jS:36ro§>g=r>ci-
'-<Js«§@§.S^
'-C^^^CgC-
THE NEW-YORK ALMANAC.
37
^o^MI ^dmidim.
Domestic Postage,
To any point within the United States,
Canada, New Brunswick, or Nova Scotia :
Letters, or any matter so inclosed tliat
it cannot be examined without injury to
the wrapper, three cents for each half
ounce or fraction thereof. Drop-letters,
at offices having carriers, two cents per
half ounce or fraction thereof; at offices
without carriers, one cent. All packages
containing written information are rated
at letter postage. A letter packet must
not weigh over four pounds. At least
three cents must be paid on a letter,packet;
if more is due and not paid it will be col-
lected on delivery. A letter will be re-
turned to the writer free if a request to do
so is placed on the outside of the envelope.
Letters sent to the wrong place will be
forwarded free at the request of the person
to whom they are addressed. To register
a letter packet, prepay it fully and add ten
cents in stamps and your name and ad-
dress ; this will secure the return of a re-
ceipt for it. Manuscripts, except for books,
are charged letter rates.
All letters remaining uncalled for thirty
days in a post-office, after being advertised,
are sent to the Dead Letter Office, except
letters bearing a request to return to the
writer if not called for within a specified
time, and letters bearing the name and
address of the writer on the outside. Such
letters are not advertised, and are not sent
to the Dead Letter Office, but arc returned
direct to the writers. The use of "request"
envelopes is recommended by the post-
office authorities.
Postat-Cards. — There must be nothing
whatever attached to a postal-caixl, except
that the address may be pasted on, nor
anything written or printed on the face
except the address. Anything the sender
desires may be written or printed on the
back, provided it is not scurrilous or inde-
cent. Postal-cards are not returned to
the senders, nor advertised, nor sent to the
Dead Letter Office. If not called for in
sixty days they are burned. Any printed
card may be sent through the mails, if
prepaid at the rate of one cent per ounce
or fraction thereof, provided it contains no
written matter except the address, which,
with the stamp, should occupy one side.
Postal-cards may be sent to Newfoundland
or any European country, by adding a
one-cent postage stamp.
Printed Matter. — Pamphlets, maga-
zines, books, posters, prospectuses, maps,
occasional publications, transient newspa-
pers, periodicals, handbills, sheet music
(printed), proof-sheets, regular publica-
tions designed primarily for advertising
purposes, or for free circulation at nominal
rates, and corrected proof-sheets, — one
cent for each two ounces or fraction thereof.
a. Exceptio7is. — Newspapers, excepting
weeklies, periodicals not exceeding two
ounces in weight, and circulars, deposited
in a letter-carrier office, for delivery by the
office or its carriers, one cent each; period-
icals weighing more than two ounces, two
cents.
Merchandise and Cii'culars. — Chromos,
engravings, photographs, . prints, litho-
graphs, stereoscopic views, seeds, cuttings,
bulbs, roots, scions, printed cards and
blanks, card-board, photographic paper,
plain and ornamental paper, letter envel-
opes and postal wrappers, book manu-
script, unsealed circulars, patterns, miner-
als and all other mailable merchandise —
one cent for each ounce or fraction thereof
Samples to Canada, New Brunswick and
Nova Scotia, ten cents for eight ounces,
which is the limit of weight.
No postal packet may exceed four
pounds in weight except books, docuinents
printed by order of Congress and docu-
ments froin the Executive Departments of
the government. All except letter packets
must be so wrapped that their contents
can be thoroughly examined without cut-
ting or injuring the wrapper or cord (a
sealed envelope with notched corners is
not a proper wrapper), and no signs or
marks of any kind may be made on the
wrapper or its contents except the address
and the following:
Publishers may print the date of expi-
ration of subscription on wrappers, and
may inclose bills and receipts. Business
cards may be printed or pasted (if printed)
^^§^^8^;
<:^T^.^.^^S:■
m
— c^sg^^^f:^^
THE NEW-YORK ALMANAC.
on wrappers. Samples may be numbered
to correspond with similar marks in cata-
logues, invoices or letters. Typographi-
cal errors in circulars, etc., may be cor-
rected in writing, and an author may add
to a proof-sheet new matter, if for the
purpose of completing the article. A
circular may contain a written address in-
side, but nothing else. A simple mark
may be made to call attention to an article
in printed matter. Any packet may have
the name and address of the sender, with
the word " From " prefixed on the wrap-
per, and the number and names of the
articles may be attached.
Liquids, poisons, explosives, etc. — any-
thing liable to injure the mail-bags, their
contents, or employes of the department
— if discovered, will be thrown away.
Stamps cut from stamped envelopes or
newspaper wrappers are not good, but if
the whole envelope is presented, and the
postmaster satisfied that it has not been
used, it will be redeemed in stamps.
Printed matter, merchandise and other
third-class matter will not be forwarded
from the office where it is addressed, unless
the postage is paid anew, and a request
to return such packages written thereon
subjects the mgitter to letter postage.
To inclose any written matter in printed
matter subjects the person mailing the
same to a fine of five dollars unless the
person receiving the package pays letter
postage on the same. If articles upon
which different rates of postage are charged
are inclosed in the same package, postage
must be paid at the highest rate.
Post-Office Money Order Fees are as
follows : For orders not exceeding fifteen
dollars, ten cents; from fifteen to thirty
dollars, fifteen cents ; from thirty to forty,
twenty cents ; from forty to fifty, twenty-
five cents. Money orders are considered
perfectly safe, and are sometimes more
convenient than bank drafts, as the holder
is not usually required to be identified.
He must be able to say from whom and
from where the order comes. The payee
of an order may request payment to be
made to another person, but only one such
indorsement is allowed. Money sent
through the mail, even though the letter
be registered, is at the risk of the sender,
except where there is a special agreement
to the contrary.
The mailing of any letter or circular
concerning lotteries, gift concerts, or simi-
'S -^^^gs^:^—
lar enterprises offering prizes ; and the
mailing, or receiving through the inail, of
any indecent publication, or any article
designed for any immoral use, or any
^notice giving information as to the pro-
curing of such articles, — are punishable by
either fine or imprisonment, or by both.
Foreign Postage,
To Mexico, direct by sea, letters ten
cents, papers one cent per ounce or frac-
tion, and one cent additional for each
paper ; land route, letters three cents,
papers one cent. To Brazil, direct route,
letters fifteen cents, papers same as to
Mexico ; via British mail, letters twenty-
one cents, papers four cents.
To Germany, Austria, Hungary, Bel-
gium, Denmark (including Iceland and
the FarQe Islands), Egypt, Spain (includ-
ing the Balearic Isles, the Canary Islands,
the Spanish possessions on the northern
coast of Africa, and the postal establish-
ments on the western coast of Morocco),
Great Britain (including the Island of
Malta), Greece, Italy, Luxemburg, Nor-
way, the Netherlands, Portugal (including
the Island of Madeira, and the Azores),
Roumania, Russia (including the' Grand
Duchy of Finland), Servia, Sweden, Switz-
erland and Turkey — letters five cents,
newspapers two cents. To Newfoundland,
letters six cents, papers two cents ; British
West Indies, via St. Thomas, letters thir-
teen cents, papers four cents; French-
colonies, letters ten cents, papers four
cents.
To most Asiatic countries there are three
routes, viz : via San Francisco, via South-
ampton, and via Brindisi, and the rates
for each are given below in the above
order. To Australia, except New South
Wales and Queensland, letters five, fif-
teen and nineteen cents, papers two,
four, and six cents ; Hong Kong, Canton,
Swatow, Amoy, and Foochow, letters ten
cents, papers two cents ; Shanghai, via
San Francisco, letters five cents, papers
two cents ; other parts of China, letters
twenty-seven and thirty-one cents, papers
four and eight cents ; Japan, letters five,
twenty-seven, and thirty-one cents, pa-
pers two, four, and eight cents ; British
India, letters ten cents, papers four
cents.
The maximum weight of a foreign post-
al packet is, for patterns of merchandise.
W:M!§^^>
^1
THE NEW-YORK ALMANAC.
39
eight and three-fourths ounces ; for other
articles, except letters, two pounds and
three ounces. Foreign postal packets
must contain no article subject to customs
duties, and no gold or silver coin.
Prepay a// postage, not only because in
some cases the package will not be for-
warded unless prepaid, but because it is a
shabby thing to require a correspondent
to pay your postage. Write the address
very plainly Sind fully. Be sure you give
the name of \^& post-office. In writing a
letter always begin as you wish the answer
directed, and sign your full name. If
people only knew how much trouble and
loss would be saved by following these
directions, they would do it, we feel sure.
Put the stamp on the right-hand upper
corner, and be sure that it adheres firmly.
The fees for money orders on Great
Britain and Ireland and Switzerland are as
follows : not over ten dollars, twenty-five
cents; from ten to twenty dollars, fifty
cents ; from twenty to thirty dollars, sev-
enty-five cents ; from thirty to forty dol-
lars, one dollar ; from forty to fifty dollars,
one dollar and twenty-five cents. On Ger-
many, not over five dollars, fifteen cents ;
all others as above.
Note. — These are the rates for letter
packets not exceeding one-half ounce, and
in most cases for single newspapers not
weighing over four ounces. In several
cases it is for single papers, no matter what
the weight. Where there are several routes
with different rates, the one paid for should
be placed in the left-hand upper corner of
the packet.
5
n^M/tow '6.(>[>ic).
A Great and Good Work.
During the year 1875 '^he forty-six life in-
surance companies doing business in the State
of New- York paid out in death-claims the
enormous sum of twenty-five and a quarter
million dollars ($25,250,792). There are two
or three facts that add to the importance of this
statement. In the first place, this was the sum
actually /a/(/, not the amount of claims pre-
sented against the companies — though the lat-
ter item ($26,145,568) was less than a million
more. In the second place, it was the amount
paid in death-claims, and does not include
the sums paid as matured endowments, nor
the amounts returned to living policy-holders
as dividends and surrender values. The im-
pressive fact is that this tzventy-five and a
quarter million dollars went to the families and
heirs of men who died.
This sum was paid to about eight thousand
families ; and if we suppose that these families
consisted of no more than three persons each,
here were twenty-four thousand persons who
received over a thousand dollars each, at a
period likely in many cases to be one of finan-
cial embarrassment as well as of unutterable
sorrow. What a vast multitude was tliis ! what
a long and sad procession moving to the graves,
not only of the ones so dear to them, but of the
ones upon whom they depended for food and
clothing, for education, for a thousand things
that money and money alone can buy ! And
though the money thus left to bereaved ones is as
nothing in comparison with what tltey lost, it is
practicable evidence of the wise and loving fore-
thought of the dead, and, next to what was taken,
it is probably the very best and most help-
ful thing that could have been 'left. Money
is a friend in trouble that no one need despise.
And yet this is but the record of a single
twelve months, and the work of saving, by
means of life insurance, all that can be saved
from the ruins of broken homes, is going on
with increasing success year after year. Dur-
ing the first half of 1876 the New-York Life
Insurance Company paid in death-losses
$793,122, as against $776,072 during the
corresponding period in 1875, and^we have no
doubt the figures for the whole year will show
a corresponding increase in the sum total thus
disbursed. Ifwegoback ten years and sum
up the benefactions of life insurance, to those
who have been bereft of husbands and fathers,
we shall find that they reach a total of over one
himdred and fifty )niilio)i dollars. Remember-
^Mm^>-
-=x<3$63^£38S>c-'
— — c^g^^^-^.
•/■i?.*:^ — ^
■iy^^
40
'<^3g@@^®
THE NEW-YORK ALMANAC.
ing that life insurance costs only from about
two to ten per cent, per annum on the amount
insured, may we not say, in all truth and so-
berness, that no other such accumulations as
these were ever made so easily, nor were any
ever disbursed by human hands to more worthy
recipients !
Insurance vs, Money at Interest,
One of the commonest fallacies which life
insurance agents meet is this : " A man might
better put his money in the savings bank than
into a life policy." Of course it is a great
mistake, — as many have learned to their sor-
row,— but it is still put forth by thousands who
have never carefully considered the two meth-
ods. Believing that our readers desire to
know the exact truth of the matter, we have
prepared a table, which will be found on the
opposite page, to which we ask their attention
in connection with this article. We have taken
the insurance rates at the age of thirty, be-
cause that is the average of twenty-five and
thirty-five, and men between those ages usu-
ally have families, and need insurance. Of
course the rates for a younger person would
give results more favorable to insurance.
What the Table Shows.
The table shows how much a family would
receive from each method at the death of the
insured, should that take place between the
ages of thirty and fifty-one. The amount given
is that which would be received should death
occur at the beginnitig of the year ; of course
the amount which would be received from
money at interest would vary i/in-higeach year.
It also shows how many chances there are in
1,000 that a person will die in every year be-
tween the ages of thirty and fifty-one. That
is, out of 1,000 persons of that age, so many
will die.
We hardly need to comment on these figures.
They make it as clear as noonday that there is
no insurance in money at interest. The $100,
whicli secures $4,405.28 on the day the first
payment is made, would not amount to a single
thousand /;/ mo?r Ihan seven years, and during
that time over 60 persons in 1,000 will die.
Over thnleen years will elapse before money
at interest will bring halfihe amount that it
would if invested in insurance, and during this
time 121 persons in 1,000 will die. Before
the money at interest reaches the amount
afforded by a life insurance policy, about 210 in
1,000 will have died. This is too great a hazard
when one's own flesh and blood are at risk.
There is no antagonism between life insur-
ance and savings banks. The two systems of
laying aside money are radically different.
The insurance company provides against pov-
erty during the time in which a man would be
earning money to put in the bank. This is the
period of danger, and for this insurance alone
C\'f^ provide.
These Estimates Low.
The table might be made to show results
much more favorable to insurance, and still be
within the bounds of truth. No account is
taken of dividends, because they cannot be
ascertained in advance. But they are paid by
the New-York Life Insurance Company
regularly. We could select from the Com-
pany's books cases where persons have received
from matured endow?nents more than they
would have done from money at interest. But
it does not always happen so, and the Company
prefers not to put these special cases forward
as examples.
The Other Tables.
We also give tables showing the cost of
Ordinary Life Policies, P'ifteen, Twenty,
Twenty-five and Thirty- Year Endowments,
Ten-Payment Life, and Ten-Payment Endow-
ments due in twenty, twenty-five and thirty
years, respectively. Rates for all desirable
forms of policies will be furnished on applica-
tion to the Company or its agents.
The amounts given in Table i are to be paid
every year until the Policy becomes due, either
by the death of the person insured or by the
expiration of the time designated at the head
of the column from which the rate is taken.
The dividends that accrue from year to year may
be applied to reducing the amount actually to be
paid, or to increasing the amount of the Policy.
The amounts in Table 2 are to be paid every
year for ten years, and the insurance is payable,
as in the other case, at the time indicated at the
head of the column from which the rate is
( Contifnted on page 42.)
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THE NEW-YORK ALMANAC.
41
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THE NEW-YORK ALMANAC.
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taken. In both cases the insured participates
in the profits of the Company until the Policy
becomes due ; and where the premiums are paid
according to Table 2, if the insured survives the
ten years, the dividends are paid him in cash,
or by increasing the amount of his insurance.
Why Men Insure Their Lives,
The reason, is briefly this : Becajise there is
no other way in which they can secure their
families against a serious danger. That danger
is that they will die and leave their families
without the means of a comfortable and inde-
pendent support. Recognizing the fact that
every one is liable to sudden death, no matter
how great the probability of long life may be,
multitudes of men are not content to run that
risk of leaving their families either to the
charity of friends or to their own unaided
resources. They know that, with all they
themselves can earn, it is difficult enough
to provide a home, food, clothing and school-
ing for the children ; they know that without
their own earnings it would be impossible.
Seeing, then, that this danger menaces their
families, they seek for some means of guarding
against it.
So long as they can live and labor they
can get along, and save a little every year ; but
it would take ten, fifteen, or twenty years to
save from their earnings enough to leave their
families in comfortable circumstances. And
during all these years their families would be
in constant danger. Of a thousand persons,
thirty years of age, eight will die during the
first year, according to the American Table of
Mortality, and during the next fifteen years the
yearly deaths will average about nme a year.
This is too great a risk. Just here the Life
Insurance Company steps in and offers, in con-
sideration of the payment of a very small sum
each year until death, to pay to the family a
large sum at death, whenever that shall take
place. Men see at once that life insurance can
do for them what nothing else can, viz., it can
convert the probability of life into solid capital
in case of death.
For these reasons men insure — -first, Viecause
there is a real danger impending over their
families ; second, because life insurance offers
ample protection against that danger, a pro-
tection which begins at once, which costs. but
little now, and future payments grow smaller
instead of larger and are conditioned upon the
continuance of life. Life insurance is therefore
within the reach of persons of very limited
means, and, if taken in a good company, it
affords instant security, ample security, and
constant security. This is a combination of
advantages that nothing else pretends to offer,
and it is just what the circumstances of thou-
sands demand.
We ought to say farther, in justice to those
who insure, that the reasons which impel them
are ;//(?rrt/ reasons and reflect the highest credit
both upon their prudence and their sense of
justice. The right to assume the responsibility
of a family is conditioned upon one's ability
to provide for it, and a man owes support
to his dependents just as much after he is dead
as before, if he could have provided that sup-
port while living. This obligation arises from
the inability of dependents to support them-
selves and therefore continues as long as the
inability continues. And every man is in duty
bound to look ahead, and, as far as in him lies,
to provide for every reasonable contingency.
Death is such a contingency and all men
know it. To be sure, the physical penalty of
neglect will fall, not upon the man himself, but
upon his wife and children ; and it is this very
consideration that, to many men, makes life
insurance not only desirable but imperative.
Where Nlen Ougf)! to Insure,
I'l" is not enough that a man insure his life —
he ought to insure in the l^est company that will
insure him. Although life insurance can boast
of fewer failures than any other business of its
magnitude in this or any other country, never-
theless some companies have failed and many
have been obliged to wind up their affairs. And,
while in most cases the latter class have been
able to re-insure their risks, yet policy-holders
have been put to much inconvenience by these
transfers, and have actually lost large sums that
would have been returned to them in dividends
had they insured in good companies.
And there has been loss in other ways. The
man who has been transferred two or three
times often gets disgusted and drops his Policy.
Sometimes he does this, intending to take
S<L^^@2^^-
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THE NEW-YORK ALMANAC.
43
another in a better company, but finds, to his
surprise and sorrow, that he is no longer
insurable. If he knows his health to be
impaired, he may retain his policy, but his
insurance costs him more every year than it
\vould in a good company, and he has a lurking
fear that it may not be paid in the end. We
propose, therefore, to state some general princi-
ples by which a good company may be known.
1. Age. — Other things being equal, air old
company is preferable, because its officers have
experience, and the fact that it has lived long
argues well for its stability.
2. Strength. — Other things being equal, a
large company is preferable, because a large
business can generally be managed at a less ex-
pense, proportionally, than a small one. If
age has brought a company a good name, then
age and strength will inspire confidence and
bring business to it.
3. Mutuality. — Other things being ecjual,
a purely mutual company is preferable, be-
cause such a company affords insurance at its
actual cost to the company; and if the com-
pany be old and large, the actual cost ought to
be low. Moreover, a purely mutual company
is more likely to deal liberally with its policy-
holders— to be equitably, rather than technic-
ally, just.
4. Security. — Other things being equal, a
company that makes the security of its policy-
holders a more important consideration than
large dividends, rapid progress, or the adoption
of questionable schemes of insurance, that
chooses a wise economy rather than vain show
— is preferable. Far-seeing management is
the keystone, without which the whole structure
will tumble down. Yet the best of manage-
ment cannot make some companies desirable
for years to come.
5. Success. — Other things being equal, a
company that does a large and steady
business — that receives a large income, both
in premiums and interest on its invested assets ;
that returns large amounts to its policy-holders
in death-claims, dividends, and returned pre-
miums on canceled policies ; that accumulates a
large surplus every year; and that is increasing
in strength — is preferable. Such a company
is a good company to insure in, because it is
doing year after year, and doing well, just tliose
things which men desire life insurance com-
panies to do for them.
6, Adaptation. — Other things being equal,
the company that offers policies best adapted
to secure the end desired, is preferable.
A Great Success and its Causes,
On the first day of January, 1876, The
New- York Life Insurance Company had
been doing business somewhat over thirty-
one years. During that time it had issued
over 118,500 policies, covering insurance to
the amount of about $350,000,000. It had
received in premiums nearly $62,000,000, had
returned to policy-holders over $33,000,000,
and had on hand for the security of living pol-
icy-holders nearly $31,000,000. Its surplus
over all liabilities, by the New-York State
standard, was over $5,000,000. It entered upon
its thirty-second year with a well-earned and
enviable reputation for equitable dealing with
its patrons, and with the respect and confidence
of its business competitors.
Of course there are reasons for so great a
pecuniary and moral success, and we think we
shall be doing the cause of honest life insurance
a service by putting some of the most promi-
nent of those reasons before our readers. They
are :■ —
1. The Company was formed upon
Right Principles. — (a) It has been a Pure-
ly Mutual Company from the first. The
members constitute the Company. Upon en-
tering, each agrees to pay in proportion to the
additional risk thereby imposed upon those
who are already members. At the end of every
year it has been found that, after paying all
the losses that had fallen upon the Company,
and providing for the perfect security of the
remaining members, there still remained a
surplus to divide among members in propor-
tion to their contributions to it. This has
been so divided, and so the premium rate has
been in fact largely reduced.
(d) It has maintained The Highest Stand-
ard in use in this Country in Estimat-
ing its Reserve Fund. That no doubt may
exist as to the ultimate payment of all claims
as they mature, and to meet the varied require-
ments of the several States, the New-York
Life bases its calculations upon the most con-
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44
THE NEW-YORK ALMANAC.
servative standard used. The Company thus
holds in. its reserve for 1876 about three mill-
ion dollars more than is required by the
standard of the State of New-York. The pol-
icy of the New-York Life has always been to
establish and maintain perfect security above
all other things.
2. Skillful and Economical Manage-
ment and Upright Dealing. — {a) Had
not the management of the Company been
economical and skillful, it never would have
accumulated so many millions in surplus, and
had its manner of dealing not been upright it
would not have distributed this surplus among
its policy-holders. This is plainly proved by
the fact, that very few companies have either
done as much business, or accumulated and
distributed as much surplus in proportion to
their income ; while a large number of others,
charging substantially the same rates, have
fallen behind the requirements of the law, and
have gone out of business. The interest re-
ceipts of the New-York Life during the last
two years e.xceeded its death-losses by more
than half a million dollars.
{b) The same equitable principles have been
applied in the payment of death-losses as in
the distribution of surplus, and the amount
thus paid to policy-holders' families has been
proportionately increased. No mean advan-
tages have been taken of trivial violations of
the letter of the contract, and many policies
have been paid where, according to the decis-
ions of the courts, payment could not have
been compelled. They were paid because
morally they were just claims, whether they
were legally so or not. The Trustees and
Officers, by reason of the Company being
[Hirely mutual, have been arbitrators between
the members, with no pecuniary interest in the
decision of claims, and have therefore been
prepared to act impartially.
3. Plans Adapted to the Wants of
the Public. — (a) Setting out with the or-
dinary Life and Endowment policies, it was
finally perceived that these, as then issued by
all companies, sometimes worked substantial
injustice, by practically confiscating the reserves
which had accumulated upon them, if for any
\ reason the policy-holders withdrew from the
■!| Company. A new form of policy was de-
N manded which should be more adjustable to
^
men's changing circumstances, and the " Ten-
Year Non-forfeiture Life Policy," originated
and introduced by this Company, supplied
that demand. The non-forfeiture idea became
so popular that the Company has since incor-
porated it in all its policies (except those
issued on the Tontine plan), and other com-
panies have been obliged to adopt it in some
form or other. This feature saves mill-
ions of dollars every year to life insur-
ance policy-holders everywhere, and
for it thsy are indebted to the NEW-
YORK LIFE.
{b) For those who are reasonably certain of
continuing their policies for ten, fifteen, or
twenty years, should they live so long, the
Company has devised the " Tontine Invest-
ment Policy," which combines in one form the
greatest number of advantages obtainable in a
life insurance policy. These advantages are so
grouped and held in reserve for the exclusive
benefit of certain classes, that, at the completion
of stated periods in the future, not only the
greatest profit may be realized by the survivors
when the protection of an insurance may be
no longer needed, but such choice of other
varied benefits is provided instead, as will best
suit the changed circumstances of the assured
in later years. A full explanation of this form
of policy will be found on pages forty-seven
and forty-eight, to which the reader is referred.
4 . As a result of these controlling principles,
persons wishing life insurance have found it to
their advantage to insure with this Company.
It has been secure from failure by being formed
on right principles, and by being well man-
aged. It has afforded insurance to its mem-
bers at the actual cost of insurance, — and no
honest man desires it at a less price, — and
being eminently successful, the cost has been
low. Its policy-holders have had the satisfac-
tion of knowing, so far as one may have
knowledge of a future event, that in case of
their death there would be no quibbling con-
struction put upon the terms of their policies,
and no unreasonable delay in their payment.
They have committed the interests of their
wives and children to the Company as to a
trusted friend, and their confidence has not
been abused. A company thus organized and
thus managed cannot well fail of prosperity,
nor of being a blessing to mankind.
--C^i^ifiMi^..
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THE NEW-YORK ALMANAC.
45
A TABLE SHOWING THE
Progress of the New-York Life Insurance Co.
IN THE
Amount of Insurance Effected, the Income of the Company, the Suras Paid to Policy-holders and their
Families, and in the Sums Held and Invested for the Benefit of Living Policy-
holders, during a period of Thirty-one Years.
Period.
Number of
Policies
Issued.
Amount Insured.
Premiums
Received.
Received
from
Interest, etc.
1845 to 1849 — five years.
1850 to 1854 — five years.
1855 to 1859 — five years.
i860 to 1864 — five years.
1865 to 1869 — five years.
1870 to 1874 — five years.
1875— one year.
4,767
5,448
3,404
15,104
38,918
43.831
7,029
$8,116,349
12,677,702
12,077,437
38,517,842
126,964,416
127,276,323
21,964,190
$410,378.07
1,544,064.75
1,939,292.51
4.250,964.45
16,941,605.69
30,639,982.99
6,069,002.81
$13,395-17
361,775.96
181,45^.66
756,708.15
2,737,397-90
6,235,613.66
1,870,658.34
Totals,
118,501
$347,594,259
$61,795,381.27
$12,157,002.84
Paid to Pol
icy-holders in
Assets
at the end of each
Period.
Average Annual
Period.
Death-claims.
Dividends and Ret'd
Premiums on
Canceled Policies.
Increase of Assets
in each Period.
1845 to 1849 — five years.
1850 to 1854 — five years.
1855 to 1859 — five years.
i860 to 1864 — five years.
1865 to 1869 — five years.
1870 to 1874 — five years.
1875— one year.
$112,398.00
645,000.09
870,391-57
1,153,724-29
3,039,725.77
6,899,121.94
1,524,814.33
$1,300.47
371,805.31
246,8/3.15
867,984.66
4,237,570-71
11,170,368.49
2,481,696.96
$320,581.27
902,062.70
1,769,133-24
3,741,078.48
13,327,924.63
27,348,667.08
30,645,955.64
$64,116.25
116,296.28
173,414.10
394,389.05
1,917,363.23
2,804,148.49
3,297,288.56
Totals,
$14,245,176.49
$19,377,599-75
It will be noticed that the lower line in the above tables gives a summary of the Company's business during 1875.
The following table shows its condition at the end of that time, and the progress made during the year :
COND'TION DECEMBER 31, 1875.
Number of policies in force. . . . 44,661
Total amount insured $126,132,119.00
Cash assets 301645,955 64
Surplus, Company's standard. . 2,499,656.73
" N. Y. State « .. 5,466,341.06
PROGRESS, Etc., r875.
Increase in No. of policies in force 1.263
" in amt. of insurance held $3,296,996.00
" in interest receipts 225,552.00
'/ in assets 3,297,288 . 56
" in surplus 214,932 68
Decrease in expenses 13,246 85
Excessof interest overdeath-claims 345,843.51
Not wishing to make comparisons with particular companies, as such a course might not be deemed courteous, we
submit the following comparison between the condition of the New- York Life and the average of all other life com-
panies doing business in this State. If any one desires to institute comparisons with particular companies, it may be
done by consulting the State Commissioner's report for 1875.
y. Y. i^iie.
Expenses for every $100 income $9 18
Assets /• " liabilities 122.93
Surplus '/ " income 71 75
" " " assets 18 . 65
Assets " " risks in force 23 . 83
Deferred and uncollected premiums for every $100 assets 151
Average
of all others.
$13.
"5
54
14.
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46
THE NEW-YORK ALMANAC.
Different Forms of Insurance
OFFERED BY
The New-York Life Insurance Company.
1. Ordinary Life Policies.
The simplest form of life insurance is that
secured by an ordinary life policy, for which the
insured pays a certain sum, accoi'ding to age,
every year as long as he lives, and at his death
the policy is payable by the Company.
In addition to this simple contract of so
much insurance for so much money, these poli-
cies entitle their holders to t7iio important privi-
leges. The first is, that he shall share in the
surplus earnings of the Company, in proportion
to his contributions to it. That is to say, in a
well-managed company insurance really costs
less than the table rates, but exactly how much
cannot be ascertained until the end of the year.
At that time an estimate is made, and, what-
ever remains to the credit of the policy-holder
as surplus is, in a purely mutual company,
returned to him on each anniversary of his
policy, either in cash or in paid-up additions to
the amount of his insurance, whichever he may
prefer.
The second is a stipulation for the protection
of such as find themselves unable or unwilling
to continue their policies after having made
several payments on them, and provides that,
after the payment of three annual premiums, if
the policy is surrendered in accordance with its
provisions, the Company will grant in exchange
for it a paid-up policy covering a certain speci-
fied proportion of the original insurance. Thus
the inability to continue the payment of pre-
miums is not allowed to work a forfeiture of
those already paid.
The advantage of this form of policy over
others is, that, the premiums being smaller, the
same sum of money each year will secure a
larger amount of insurance, though it may be
necessary to continue the payments longer.
2. Limited Payment Life Policies.
A Limited Payment Life Policy differs from
the above only in this : ( i ) that only a lim-
ited number of payments is required, this
number being fixed upon at the time of insur-
ing; (2) the premiums are higher; (3) the
policy is non-forfeitable, as above, after the
payment of two annual premiums.
These policies have the special advantage
that the payments may all be made on them
while the insured is still young, or while he is
still in active business ; then if he lives longer
than that, the policy is no longer an expense to
him, but, on the contrary, the dividends afford
a yearly income in cash.
Some men earn large wages, or have large
incomes from some source, and feel sure that
for ten or fifteen years at least, should they
live so long, they will have enough and to
spare, but that they would not leave enough to
support their families should they themselves
be taken away. They wish, while they have
money, to pay up a policy of insurance and
have done with it. They wish to set aside so
much, for the use of their families after their
death, and they wish to do it while they are
young and prosperous. To meet the wants of
such, the New-York Life Insurance Com-
pany issues life policies paid up in either one,
five, ten, fifteen or twenty annual payments.
Payment of premium, however, always ceases
with the death of the insured.
3. Endowment Policies.
An Endowment Policy provides (i) insur-
ance during a stipulated period, payable, like
that of any other policy, at the death of the
insured, should he die within the period ; and
(2) an endowment, of the same amount as the
policy, payable at the end of the period, if the
insured survive until that time.
The premiums may be paid annually until
the endowment is due, or they may be paid up
in a shorter time, like Limited Payment Life
Policies. In any case, payment of premiums
ceases with the death of the insured, should
that occur prior to the end of the period select-
ed for paying up the policy. The Endowment
Policy thus gives the insured the advantage of
a limited term as to payments ; provides insur-
ance during the period in which his death
would cause most embarrassment to his
family; and, if he lives to the stipulated age,
the amount of the policy is paid to him at a
time when he may need it for himself, or should
he be in comfortable circumstances it would
set up a son in business or be a good wedding
portion for a daughter.
m
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THE NE.W-YORK ALMANAC.
47
For men who can pay for all the insurance
they need at endowment rates, there is nothing
like Endowment Policies. They combine the
principle of insura^tce -with that of laying up
7?ioney. By the payment of a comparatively
small sum a man secures a large sum for his
family, in case of his death before the endow-
ment falls due ; and if he lives until that time,
he has been laying up money for himself. By
insuring in a purely mutual company, a man
gets his insurance for just what it costs, and
gets compound interest on the balance of what
he pays in.
4 . Tontine Investment Policies.
Many do not know how long they will need
insurance, but they know they need it now, and
they wish to insure in such a way that a few
years hence they can, if they wish, withdraw
whatever accumulations there may be on their
policies without sacrifice, or, if they still
need the insurance, be able to continue it at the
low rates at which they began, and not run any
risk of being rejected at a ftetu examination.
To such. Tontine Investment Policies, as issued
by the New-York Life, are exacfty suited,
and they are confidently recommended to those
who have a reasonable prospect of being able to
continue their premiums, but to only such.
The pla7i is as follows : Those selecting it
are placed in classes according to the Policy
year of issue and the Tontine period chosen,
whether that may be the ten, fifteen or twenty-
year period ; the election of the period to be
made at the time of making the application for
the Policy. The annual surplus arising in
each of these classes is accumulated for the
benefit of the class, but no division is made
until the expiration of the selected period, and
then only to such policies as are actually in
force; those terminating prior thereto receiv-
ing no dividend. To the representatives of
those who die during the period, the original
amount insured will be paid. Those who dis-
continue their policies will receive neither paid-
up policies nor surrender values; but profits
from this source, as well as from the dividends
of those who die during the period, will be
placed to tlie credit of the class to which they
belonged.
\\.^ special advantages a.Tc: I. It jiraclically
gives an endowment policy at life rates. 2.
The estimated profits of those who survive their
Tontine periods are large, while the profits on
the policies of those who die within their Ton-
tine i^eriods must be large. 3. Prior to the
termination of the selected Tontine period, the
policy gives to the policy-holder his choice of
receiving, at such termination, the whole value
of his policy in cash, or, of continuing his insur-
ance in any one of several forms.
The Tontine principle may be applied to any
form of policy issued by the. Company, pro-
vided the benefit will not mature within the
Tontine period. The rates of premium will be
the same as on any other corresponding form
of policy; and if the policy is continued after
the expiration of the Tontine period, its status
will be the same as that of any other policy
of a corresponding form.
The reader will find on page forty-eight the
estimated results of a policy, taken at the age
of forty, on the Tontine plan. While, as it is
there expressly stated, they are estimates only,
and are not to be considered guarantees on the
part of the Company, we wish our readers to
know that these estimates have not been care-
lessly made, but that they are justified by
past experience as to losses and gains. To
this end, and that they may know how highly
this form of insurance is regarded by men well
qualified to judge, we quote from letters
received on the subject from two eminent
Consulting Actuaries :
Edwin W. Bryant, Esq., writes : " I have
no hesitation in saying that I think it more
probable that the actual results will exceed than
fall short of your estimates. The various
advantages of this form of policy are well pre-
sented in the circular explaining it, and I
notice among them sevei'al methods of apply itig
the surplus which do not appear to have ever
been offered by any other Company."
Sheppard Homans, Esq., for many years
Actuary of the Mutual Life of this city,
writes : " The benefits you propose to extend to
those selecting this class of Policy are more
varied in their character and advantages than
are afforded by any plan of fnsurajtce noi.v
171 use by any Company withitt 7ny ktzotvledgr,
and are such as cannot fail to render the Ton-
tine Investment Policy a popular, safe, and
liighly remunerative form of Insurance."
-<SaS:$@^^§,
c=*fi<i<5;®:^
48
THE NEW-YORK ALMANAC.
THE TONTINE INVESTMENT POLICY
OF THE NEW-YORK LIFE INSURANCE COMPANY
So combines the Tontine principle in the distribution of surplus with Ordinary Life and Endowment Assurance, as t(]
afford to those who survive certain selected periods, the maximum benefit to which they become entitled by their
superior vitality and persistence in payment of premium. Below are given brief illustrations and
ESTIMATED RESULTS
OK A
Tontine Investment Policy of $10,000
ON THE ORDINARY LIFE TABLE OF RATES,
Insaring at 40 years of age, vrith Premium of $313 Annually, during- a selected
Tontine Period of Ten. Fifteen or Twenty Years.
The
BENEFITS PROPOSED,
At the option of the Policy
Owner, are:
To Sell the Policy to the Com-
pany, for Cash. Estimated
accumulations or value • . •
! If the 10-Year Tontinellf the 15-Year Tontine
Period be chosen, i Period he chosen,
Having been Paid. ! Having been Paid.
«3,130
rang been Pi
«3T336lO, «7,241.00, ^2,962.70,
If the 20-Year Tontine
Period be chosen,
^6,260
Having been Paid.
Being 107 per cent, to Being 154 per cent, to
Premiums Paid. Premiums Paid.
Being 207 per cent, to
Premiums Paid,
OR,
To Sell the Policy to the Com-
pany, and Purchase a Yearly
Income for Life, estimated
at
^286.20 «699.50 *1,450.
OR,
To Sell the Policy, and Purchase,
with the Proceeds, a Paid-up
Policy, Without Profits, esti-
mated at
«
7,500 «15,000* «23,500^
To PurAasa, :S S.^1.. a. «227.90 ^546.30 ^1,160.10
Annuity for Life, which, com- ^^ p^y premiums and Will Pay Premium & Will Pay Premium &
hined with Dividend, is esti- Continue original i leave a Surplus for leave a Surplus for
mated at Policy. Increasing Income. , Increasing Income.
OR,
To continue Policy by Payment
of Premiums, and withdraw
the accumulated Surplus in
cash, estimated at
«1,764.90, H725.70, «9,438.40,
Being 56 per cent, to Being 101 per cent, to Being 150 per cent, to
Premiums Paid. Premiums Paid. Premiums Paid.
•35- Provided, that when the amount of the Paid-up Policy exceeds the original amount of the Insurance, as a condition
precedent to its issue, a satisfactory certificate of good health, from an examiner of the Company,
and subject to its approval, .shall be furnished. ^^^
While these results are based upon data which are expected to be less favorable than future experience will develop,
and as such have been approved and indorsed by some of the most competent and experienced Life Insurance experts,
and by men of great financial and business experience, it is expressly stated that they are presented as estimates
only, and are not to be considered as promises or guarantees. The elements mvolved— viz: mortality, inter-
est, and miscellaneous profits — being variable in their nature, exact results cannot be foretold. The Company can only
promise that by the judicious selection of risks, and by great care in management, every effort shall be made to meet the
expectations of those who may select this form of policy, and it is believed that they can be relied upon with as great a
degree of certainty as stockholders rely upon the future dividends of stock held by them in the best managed railroad
corpoiations and banking institutions.
I
— ^>x3$^o2gC3$S><=-
I
^11
A Monthly Miscellatiy of Popular Literatu7'c. Xeio Scries. 2^c. per lumiber. $3 per annum.
Appletons' Journal is now published monthly ; it is devoted to popular literature and
all matters of taste and general culture — published at a price to bring it within the reach of all
classes. It contains superior fiction in the form of serials and short stories ; papers graphic-
ally descriptive of picturesque places ; articles upon men of note and upon the habits of
different peoples ; essays upon household and social topics ; articles of travel and adventure ;
scientific and industrial articles written in a graphic and popular style. In brief, the aim is to
be comprehensive, including in its plan all branches of literature and all themes of interest to
intelligent readers. Each number is illustrated.
Terms : Three dollars per annum, postage prepaid, to all subscribers in the United States ;
or Twenty-five Cents per number. A Club of Four Yearly Subscriptions will entitle the sender
to an extra subscription gratis ; that is, five copies will be sent one year for twelve dollars.
For $7.20, Appletons' Journal and The Popular Science Monthly (full price, eight
dollars), postage prepaid.
THE POPULAR SCIENCE MONTHLY.
Conducted by E. L. Youmans.
This periodical was started (in 1872) to promote the diffusion of valuable scientific knowl-
edge, in a readable and attractive form, among all classes of the community, and has thus far
met a want supplied by no other magazine in the United States.
Containing instructive and interesting articles and abstracts of articles, original, selected,
translated, and illustrated, from the pens of the leading scientific men of different countries ;
accounts of important scientific discoveries, the application of science to the practical arts, and
the latest views put forth concerning natural phenomena, have been given by savants of the
highest authority. Prominent attention has been also devoted to those various sciences which
help to a better understanding of the nature of man, to the bearings of science upon the ques-
tions of society and government, to scientific education, and to the conflicts which spring from
the progressive nature of scientific knowledge.
The Popular Science Monthly is published in a large octavo, handsomely printed on
clear type, and, when the subjects admit, fully illustrated.
Terms : Five Dollars per annum, or Fifty Cents per number. Postage prepaid to all
subscribers in the United States.
THE ART JOURNAL.
An International Gallery of Engravings by Distinguished Artists of Europe and America.
With Illustrated Papers in the Various Branches of Art.
The Art Journal is a monthly publication, quarto size, superbly illustrated and printed,
and specially devoted to the world of Art — Painting, Sculpture, Architecture, Decoration,
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means for the cultivation of Art-taste among the people. Each number is richly and abun-
dantly illustrated on both steel and wood, and no pains are spared to render this " Art
Journal " the most valuable publication of the kind in the world. It contains the steel plates
and illustrations of the London Art Journal, a publication of world-wide fame (the exclusive
right of which, for Canada and the United States, has been purchased by the publishers) ;
with extensive additions devoted principally to .imerican Art and American topics. Sold only
by subscription. Price, 75 cents per number. $9 per annum, postage prepaid.
Subscriptions received by the Publishers or their Agents. Agencies: 22 Hawley St.,
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Fourth St., Cincinnati; 305 Locust St., St. Louis; 20 St. Charles St., New Orleans; 230
Sutter St., San Francisco. ^ APPLETON & CO., Publishers,
54:9 ft II (I i>51 Brimdwaif, Neir-Yoi'h.
^Sv^^;^i:JE:?>—
— -^<sS^°:30Ls^^»^
-Csmy'c.i
=oo<§3636C^8S><= "-c^«§^-;:
THE INDEPENDENT
For 1877,
In addition to all its fornner exeeilencies, heretofore surpassed by no other
religious weekly newspaper in the world, "will offer several
ENTIRELY NEW FEATURES
Of great importance and value.
FIRST. — We shall print through the year
Sermoijs by tlje most Enjinent Clergynjeij of the Couritry,
Of all denominations, from Maine to California. Our readers will, therefore, have the pleasure of hearing the
most famous ministers of New-York, Brooklyn, Boston, Philadelphia, Cincinnati, Chicago,
St. Louis, San Francisco, etc.
SECOND. — We shall publish a series of articles on
CHRISTIAN WORK, by Rer. Stephen H. Tyng, D. D.
Which will be invaluable to Clergymen, Sunday-school teachers, and every Christian man and woman.
THIRD. — A new Serial Story of American life will be begun about the middle of December. Its title will be
By D. Ri LiOCKC (Rev. Petroleum V. Nasby). It vividly illustrates the present era of speculation,
of living without work, of making money without capital ; and will be one of the most sparkling and attractive
serials ever published.
FOURTH. — We shall publish a series of articles from the pen of Elder Brewster, Jr., of Brewsterville,
Mass., on men and things, religion and politics, and every " top topic " as it comes up.
FIFTH. — Our great premium for the year we believe to be the best ever offered — viz.:
THE WORKS OF CHARLES DICKENS,
In the famous and unsurpassed Household Edition of Messrs. Lee & Shep.\rd, the well known publishers, of Boston.
Look at our offer! To each and every person, whether already a subscriber or not, who sends us $3, we will forward
The Independent one year, postage paid, together with any one volume from the following list:
1. The Pickwick Papers, 500 pages. 10. Bamaby Rudge and Hard Times, 570 pages.
2. Our Mutual Friend, 516 pages. 11. Oliver Twist, Pictures from Italy, and American Notes,
3. David Copperfield, 520 pages. 506 pages.
4. Nicholas Nickleby, 516 pages. 12. A Tale of Two Cities and Great Expectations, 514 pages.
5. Martin Chuzzlewit, 530 pages. 13. Christmas Stories and Sketches by Boz, 576 pages.
6. Dombey and Son, 534 pages. 14. Uncommercial Traveler and additional Christmas Stories,
7. Old Curiosity Shop and Reprinted 356 pages.
Pieces, 530 pages. 15. The Mystery of Edwin Drood, A Child's History of Eng-
8. Little Dorrit, 504 pages. land, Master Humphrey's Clock, etc., 560 pages.
9. Bleak House, 532 pages.
Each additional subscriber shall have an additional volume, postage paid. Each subscriber for two years shall
have two volumes, and so on. And
FOR FIFTEEN SUBSCEIBERS WE WILL SEND DICKENS COMPLETE.
Every number of The Independent contains 32 large octavo pages, forming a weekly magazine in itself;
whereas all other folded religious papers have only from 16 to 20 pages, of much smaller size.
Thus The Independent offers for $3 twice as much as any other religious journal in the country or the
world, and is pre-eminently
THE PAPER FOR HARD TIMES.
SUBSCRIPTION PRICE of The Independent with premium, $3.00 per annum in advance. For
6 months, no premium, $1.50 in advance. For 3 months, no premium, 75 Cents in advance. .Specimen copies,
containing full list of other premiums, sent free upon application.
Address THE INDEPENDENT. P. 0. Box 2787, New-York.
i^#^sE^.— — '^<<^3$^;:3pc3§g>c== — "^^g^^^s
FIREMAN'S Trust
INSURANCE COMPANY,
Qoi Montague St., Brooklyn
Q04 Broadway, N. Y.
Assets over - - $300,
This Company, long and favorably known for the prompt and
liberal settlement of its losses, continues to insure Dwellings,
Merchandise, Household Furniture, etc., at the
lowest standard rates.
E. B. Wood, Sec'y- Dwight Johnson, Pres't.
B. F. Van Voorhis, Ass't Sec'y.
-=><52^53ge3$g>o <^2«^@^g
I
CHARTERED 1824.
UNITED STATES FIRE
Insurance Company,
No. 106 Broadway,
CORNER PINE STREET, NEW-YORK.
This Company has no country Agencies — does a strictly conservative
business — and for more than 50 years has paid its losses promptl) and in full.
After payment of all indebtedness, and allowing 50 per cent, on all
unexpired ])olicies of the company, there remains a net surplus of more than
one hundred per cent, in addition to its Capital, for the security of Policy-
holders.
Buildings, and all kinds of Personal Property, including Rents, Leases,
&c., insured at lowest rates.
Capital,
Surplus, -
$250,000
288,000
J an. 1876, Capital & Surplus, $5 38,000
DIBECTOHS.
A. S. UNDERHILL, President.
Ebenezer Caui.dwell,
Chas. T. Cromwell,
Chas. Kneeland,
Henky S. Tekbeli..
Robert Bowne.
William H. Bradford.
Charles E. Bill,
Charles P. Leverich,
Walter F. Brush,
A. S. Underhill,
William R. Thurston,
D. CoLDEN Murray,
Archibald F. Cushman.
William A. Hadden,
William Paxson,
GUSTAVUS W. Faher.
Alexander V. Blake,
William Kevan,
George E. Cock,
Frederick C. Havemeyek,
William A O. Hegeman,
William H. Jacksox,
W. W. Underhill,
Augustus Taber,
Hull Clark,
William H. S. Wood,
Chas. G. Barrett,
Edward C. Sampson.
W. W. UNDERHILL, Secretary.
[^^^^^
--<g$6^26c$8S><=-
■-<:^ii^%mM
'-C^8@^®S^
1850. TWENTY-EIGHTH YEAR 1877.
OF THE
Rural New-Yorker
The Great Illustrated Agricultural and Family Weekly has
REDUCED ITS SUBSCRIPTION PRICE
For 1877.
It is the Standard Authority on Agriculture, Horticulture and Domestic Affairs, and
is replete with news and improvements of value to
The Farmer,
The Horticultiirist,
The Stock-Gro-wer,
The Dairyman,
The Housewife,
The Girls and Boys.
In addition to these Practical Subjects and its Market Reports, several pages are devoted
to Household Recipes, pleasant Stories, Reading for the Young, Sabbath Reading, Fashions,
News, and all topics of interest to the family. Thus it comprises
TWO PAPERS IN ONE,
And cuts like a two-edged sword into the affections of the ladies and children, as well as the
members of the family who seek instruction in their daily avocations.
A. S. Fuller, the celebrated Horticulturist, is Editor-in-chief, assisted by E. S. Carman,
the well-known Floriculturist and writer on Rural Topics, and X. A. Willard, the great
practical Dairyman, who call to their aid as special contributors, S. B. Parsons, Floriculturist
and collector of rare exotics ; William Robinson, Editor " London Garden " ; Col. F. G.
Skinner, Editor " Turf, Field and Farm" ; Prof. Chas. V. Riley, Missouri State Entomologist ;
Herman Strecker, Lepidopterist ; Wm. J. Fowler, writer on Farm Economy ; Thomas
Meehan, Editor "Gardener's Monthly " ; James Vick, the great Rochester Florist; Geo. Such,
Floriculturist; JosiAH HooPES, noted Botanist; S. B. Peck, M. D., writer on Hygiene;
Henry Hales, the Practical Poultry-Breeder ; L. A. Roberts, writer on Historical Subjects ;
and a host of other gentlemen equally celebrated and learned, as well as an efficient corps of
Special Reporters, to keep the readers informed upon all subjects of interest to the Rural
population.
From the pens of such celebrated writers the Practical and Scientific Departments receive
life, while the Literary and Family Departments are under the careful supervision of a corps
of experienced Editors and Contributors, who successfully devote their energies to making this
Journal the superior of any in the land.
It contains each week sixteen pages of instructive and interesting reading, embellished
with fine engravings upon all interesting subjects.
The reduced Price is only $2.50 a year, postage prepaid by Publishers, and
in clubs of ten or more, only $2.00 a year.
The Rural is so well known that little difficulty is experienced in forming a club in any
locality, and every one is invited to form a club — thus securing their paper cheaper and benefit-
ing their neighbors.
Every one can have a specimen copy FREE, and, if they desire to form a club, a list of
Premiums to Club Agents, by addressing
RURAL PUBLISHING COMPANY, 78 Duane Street, New-York.
oo<B$$:36c$8€>o-
<>^!i%^m
►§(.®@$2^)— =o<<£i^S;PO£:s«S><=— --K^^^^ISI
Hamilton Fire
Insurance Company,
No. 11 Wall Street,
NEW-YORK.
Cash Capital, . . . $150,000,00
Surplus, June 30th, 1876, . . 200,865,16
Gross Assets, June 30th, 1876, $350,865,16
D. D. Whitney, President.
D. D. Leeds, Secretary.
gim^^^^-^__ ^^<gsfc3>o^85£»^ -<^33^,$^.i.
NEW-YORK STAATS-ZEITUNG BUILDING.
Tryon Row^ corner of Centre and Chatham Streets (opposite City Hall).
TERMS OF SUBSCRIPTION.
.^ „ Postage Prepaid.
Daily Edition, one year $q oo
Weekly " " " ' 2 qo
Sunday " " " .....I .............[[........................ 2.00
Sunday and Weekly to one address, one year! ..'. ......... '. . . . .... . . . . ............ '. . ... 3^50
In the City of New- York and vicinity, the Daily New-York Staats-Zeitung is served by
Carriers, at 18 cents per week, and with the Sunday Edition at 21 cents per week.
The Daily and Weekly editions contain all the political news. The Sunday edition is princi-
pally a literary paper.
Ef)c mto=f oik ^taats^lcitung
IS TEE LEADING GERMAN NEWSPAPER IN THE UNITED STATES.
TO r'OSTIVr.A.STEIiS.
All Postmasters are authorized agents to receive and forward subscriptions for the New-York Staats-
^eitung at the regular published rates. Specimen copies of either edition of the paper will be projnptly
forwarded free to Postmasters, whenever requested. Upon aW subscriptions received from Postmasters, a cash
commission of twenty (20) percent, will be allowed.
The Circnlation of the New-V'ork Staats-Zeltnne is larger and increasing more rapidly than that of any otJier German
Newspaper in the United States.
For specimen copies, terms, and all further information.
Address NEW- YORK STAATS-ZEITUNG,
Post-office Box 1207, N. Y. City.
^3sC'i^^@S^X—
— =^»<3$839CS$^>c=-
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^mi^^^> -- _^^<^gra?c35g><=—
Manhattan Fire
Insurance Company,
OF NEW-YORK CITY.
Office, 68 WaU Street.
Capital, - - - $250,000
Surplus, over - - 600,000
Assets, over . $850,000.00
Andrew J. Smith, President.
Louis P. Carman, Secretary.
'§!tM^8s5> — =>xr^$jS:36cS?S$3><^^r= —- ??^r-««^;^
®'^^dgs^>— — -=>0<3$g3CE3$g>c> _^^^=3@@^^,
The New-York Star.
Issued EVERY DAY in the Year.
The Only One Cent Morning Newspaper
PUBLISHED IN NEW-YORK.
Contains the latest telegraphic and domestic news — full and reliable.
Single Copies One Cent. For Sale by all Newsdealers
By mail, postage prepaid, $3.65 per year.
Advertising, 10, 15, 20 and 25 cents per line, according to position.
Address, THE STAR,
13 Park Rcw, New- York.
Oash. Oapitsul, _ - _ _ $200,000
Total .Assets, - - - over 300,000
GUARDIAN
Fire Insurance Company of New- York,
187 Broadway.
WM. C. THOMPSON, President. WALTER K. PAYE, Secretary.
.^<^^
CELEBRATED STEEL PENS.
Sold by all Dealers Throughout the ^Vorld.
MANUFACTURERS' WAREHOUSE, NO. 91 JOHN STREET,
NEW-YORK.
JOSEPH GILLOTT k SONS.
(^
-f:^ -o<^^;^g3Cte..e^$^^>"> — --C^g^^^i
GLOBE FIRE
INSURANCE COMPANY,
No. 176 Broadway, N. Y.
January 1st, 1876.
Cash Capital, $200,000.00
Surplus, 204,613.1^
$404,643.44
ASSETS.
Bonds and Mortgages,
Temporary J^oans,
United States 6% Registered Bonds,
New-York County Bonds,
Cash in Banks and on hand.
Interest accrued, .
Premiums m course of collection
$109,000.00
17,050.00
245,250.00
5,400.00
26,157.56
128.33
6,727.96
Total Assets, .... $409,713.85
LIA^BILITIESS.
For Losses m process of adjustment, . . $3,403.75
For Rent Due, &c. . . . . . . . 1,666.66
$5,070.41
Total Net Assets, . . $404,643.44
LEONARD KIRBY. President.
ALFRED A. REEVES, Sec'y. EDGAR E. HOLLEY, Surveyor.
DIRECTORS.
Leonard Kirby, Samuel T. Knapp, T. G. Mathews, Washington L. Cooper,
John Castree, Nathaniel Smith, Joel D. Hunter, J.'W. G. Clements.
Cyrus H. Loutrel, John Romer, Aaron Claflin, Marshall O. Roberts,
Wilson G. Hunt, Edwin R. Livermore, Chas. H. Ludington, Edgar Hyatt,
John J. Morris, John Keyser, Harvey Weed, Valentine Kirby,
James C. Gulick, Moses W. Fish, Ezra Wheeler, Francis Jenkins,
Thomas Reed, Joseph Cohvell, Lyman A. Jacobus, Peter Rowe.
i;
'1^@@S^>^"
NEW-YORK BOWERY
Fire Insurance Company.
Offices, No. 124 Bowery & No. 8 Pine St.
GEORGE G. TAYLOR, President.
W. L. CORTELYOU, Vice-Pres. JOHN A. DELANOY, Jr., Secretary.
Gash Capital - - -
Reserve for Re-insurance,
Reserve for Unpaid Losses, -
All Other Liabilities,
Net Surplus, - - -
Total Assets,
$300,000.00
- 72,029.08
10,435.00
1,100.00
423,611.59
- $807,175.67
DIRECTORS.
GEORGE G. TAYLOR,
JOHN GRAY,
JOSEPH BRITTON,
CHARLES C. PINCKNEY,
JONATHAN G. FLEET,
JOHN D. WENDEL,
THOMPSON PINCKNEY,
ASHER R. MORGAN,
JOHN B. COTTE,
WILLIAM P. WOODCOCK, 2D.
ALEXANDER
WILLIAM HALL,
JOHN C. CHAMBERLAIN,
HENRY SILBERHORN,
DAVID R. BARKER,
WILLIAM P. WOODCOCK,
ROBERT P. PERRIN
DENTON PEARSALL,
JOHN E. McMENOMY,
HENRY VAN ARSDALE,
WILLIAM L. CORTELYOU,
Y. PRINGLE.
<:><g$8^3g£38S><=—
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THE
Wanufacturers and Builders
FIRE INSURANCE COMPANY.
Office, No. 207 Broadway.
Statement, July
1, 1876.
Cash Capital,
$200,000.00
Surplus, -
218,605.37
$418,605.37
Assets.
Stocks and Bonds,
- - - $312,900.00
Temporary Loans,
59,400.00
Cash in Banks and on hand, -
29,102.50
Interest Accrued,
6,440.39
Premiums in course of collection,
10,762.48
Total Assets,
- $418,605.37
No Unpaid Losses.
EDWARD V. LOEW, President.
W. W. STADLER, Ass't Secretary. J. JAY NESTELL, Secretary.
This Company insures Stores, Merchandise, Dwellings, Household Furniture,
if and other insurable property, at favorable rates.
11 . -J|
'3'
ORGANIZED 1832.
Ne^v-York Fire
Insurance Company,
No. 7Q Wall Street
Cash Capital,
Surplus,
Assets,
$200,000.00
275,000.00
$475^
000.00
This Company has been in successful operation for
forty-four years, and continues to insure against loss
or damage by fire upon terms as favorable as similar
institutions.
DIRECTORS.
DANIEL UNDERHILL, President.
Abraham B. Davis,
Samuel C. Harriot,
John E. Andrew,
JosiAH O. Low,
John Ewen,
William Haxtun,
Sylvanus Bedell,
Thomas Davey,
Henry J. Scudder,
Joseph A. Dreyfous,
James C. Guuck,
James T. Wright,
John Sniffen,
Charles Bellows,
Henry Spear,
James C. Holden,
Abraham H. Cardozo,
James D. Fish,
Claiborne Ferris,
John N. Quirk,
Hewt,et Scuddkk.
AUGUSTUS COLSON. Seckktakv.
-=o<x3$^2C£38S><x=^-
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STAR FIRE
INSURANCE COMPANY,
161 Broadway, New-York.
CASH CAPITAL )i$300,000.00
CASH ASSETS. Nov. i, 1876 ■A»«,!:201.35
:^ET ASSET'S, deducting all Liabilities, including Re-Insurance »47,<i5<$.S4
OFFICERS.
NICHOLAS C. MILLER, President. JOHN R. FLANAGAN, Vice-President.
JAMES M. HODGES, Secretary.
JEFFERSON
INSURANCE COMPANY,
No. Ill Broadway, New- York.
" OVER HALF A CENTURY IN SUCCESSFUL BUSINESS."
Oapital, $200,010. Surplus, over $300,000.
INSURES AGAINST LOSS OR DAMAGE BY FIRE.
WM. B. FLOWERY, Secretary. SAMUEL E. BELCHER, President.
COMMERCIAL fTrE
INSURANCE COMPANY,
No. 157 Broadway, New-York.
OROANIZED 18SO.
CAPITAL, $200,000.00
NET SURPLUS, 316,307.16
TOTAL ASSETS (Over liabilities), . 816,307.16
^ , ASSETS.
Cash $16,852.29
Bonds and Mortgages 82,950.00
Loans on Stocks . 15,625.00
United States Government Bonds, market value 247,236.00
Brooklyn City Stocks, market value 42,910,00
Flushing Water Bonds 12,000.00
Long Island City Bonds 10,000.00
Elizabeth City Bonds 20,000.00
Premiums in hands of Agents 25,361 .11
Premiums due 53,506.40
Interest accrued 2,011.31
LIABILITIES. $528,452.11
Claims for Losses and Rent 12,144.95 $§ 1 6,3 O 7. 16
DAVID QUACKINBUSH, Sec'y. M. V. B. FOWLER, Pres't.
mm^^z^^^— ■ <=<^8JSD6c>^8g><=~ ■ — ^;='.?@&^§:'
P^ -=oo<B8830£3$S>o — -c^g^^^j
PHENIX FIRE
Insurance Company of Brooklyn.
Organized in 18S3.
_ 5 12 & 14 Court Street, Western District.
Offices * »
■ <98 Broadway, Eastern District.
New-York Office— Western Union Telegraph Building, Broadway, cor. Dey St.
Showing the Condition of the Company on the First day
of July, 1876.
CAPITAL, $1,000,000.00
Re-insurance Reserve, . . 740,785.57
Reserve for Unpaid Losses, 76,199.22
Net Surplus, . . . . 786,878.03
TOTAL ASSETS, . . . $2,603,862.82
NOT TOO OLD TO BE FORGOTTEN,
That the Phenix Insurance Company, of Brooklyn, N". Y., passed
safely through the destnictive conflagrations of Chicago and Boston, paying its
losses in full, amounting to One Million Dollars, without assessing its stock-
holders or passing any dividend in consequence of said disasters, which may
certainly be deemed as having been well tested and not found wanting.
Agencies in all the Principal Cities and Towns in the United States.
STEPHEN CROWELL, Pres't. PHILANDER SHAW, Vice-Pres't.
WM. R. CROWELL, Sec'y.
EDWARD HASLEHURST, Secretary of the Brooklyn Department.
JAMES A. MACDONALD, General Agent Eastern Department, Company's Ofllce, New- York.
THOMAS R. BURCH, General Agent Western Department, Offlce, 160 La Salle St., Chicago, 111.
i
83oc3$s>oo-
ORG-ANIZED 1859.
Germania Fire
Insurance Company,
175 Broadway, New-York.
Ckpitkl
$^00,000.00
1,635,161.6^
EUD. GAKRIGUE, President. JOHN E. KAHL, Vice-President.
HUGO SCHUMANN, Secretary.
BRANCH OFFICES.
New-York City, 357 Bowery F. de Malignon.
Brooklyn, 5 Willoughby Street, opposite the Court-house G. Schimmel.
Williamsburg, 38 Union Avenue A. C. Tamsen.
HoBOKEN, N. J., 236 Washington Sti-eet ... Edw. Henry Strother.
Philadelphia, Red Men's Hall Aug. Heidler.
I
-<5<s?8JS^6cS«?s>x=-
— <^8@^^^1
'-CS^^JlggE^I^
FOR 1877.
The New-York World for 1877, Daily, Semi-
Weekly and Weekly, will be found to be the cheapest
and best newspaper published in the United States. It
will be printed in an improved form with new type upon
the best paper, and no expense or labor will be spared
to maintain it in every department at the highest possible
standard, and to commend it in all respects to the
confidence and approval of the best classes in the com-
munity without regard to political opinions or religious
differences.
It will lay before its readers:
The News of the Day of all kinds and from all
quarters, by mail and by telegraph, carefully condensed
and lucidly arranged, special attention being given to
all Commercial, Legal, Financial, Social, Criminal and
Political Transactions in the City of New- York and in
the United States.
Full Reports, Reciting and Illustrating all Congres-
sional and Legislative proceedings at Washington and
Albany ; all Meetings of importance, Religious, Literary,
Educational, Scientific and Political; all Social Events,
gay and grave, and Personal Information of interest to
tlie public.
Correspondence, expressly prepared for this journal
by a permanent staff of accomplished resident writers at
all centers of interest throughout the world.
Literary News and Reviews, by which our readers
will be kept advised of everything worthy of attention in
the current Literature of Europe and America.
Criticisms, of all notable works and notices of all not-
able events in connection with Music, the Drama, Paint-
ing, Sculpture and all other branches of Art.
Editorial Articles upon every subject of present
interest or importance.
The World, while conservative in politics, desires the
conservation only of what is good and wise in our public
institutions and our political system ; liberal in spirit, it
admits no limitations upon the rights of private judgment
and the aspirations of Reform, save those which are
imposed by prudence, decorum, and a rational respect for
vested rights and for the honest opinions of all classes and
sects of men. While it has labored for the principles and
hails the triumph of the Democratic party as affording us
a practical promise of Reform in our public administra-
tions, City, State and National, it will not be blindly de-
voted to the advancement of any party or any clique.
It will freely canvass the public conduct, while it will
treat with respect the private rights, of public men, and it
will examine fearlessly into the workings of our national,
state and municipal governments.
It will inculcate a steadfast reliance upon the original
principles of our political system as the only sound basis
of all needed improvements therein; an unfaltering devo-
tion to the Constitution and the Union, a scrupulous
fidelity to the spirit as well as the letter of our laws, and
a sleepless vigilance in maintaining all the great safe-
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mitigate and not to aggravate the evils inseparable from
Party Government in a Free Country; to promote good
and not ill feeling among our fellow-citizens of all creeds
and colors, all sections and all sects ; and to advance
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is amusing as well as of all that is momentous in the
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New-York, January i, 1877.
The Peter Cooper Fire Ins. Co
Cor. Third Ave. & Ninth St,
TBible House)
NEW-YORK.
No Change since Organization in Officers or Location.
NO BRANCH OFFICE
Capital Unimpaired from day of Organization, and an earned
Surplus now, over and above Capital, Losses and
Re-insurance, of upward of
$225,000.00
DESIRABLE RISKS TAKEN AT THE LOWEST RATES.
Nathan C. Ely, President.
Wm. H. Riblet, Secretary. Isaac C. Kendall, Vice-Pres.
Charles Ross, Sitfveyor.
I
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THE CHRISTIAN UNION,
Undenominational, Evangelical, Protestant, Christian.
EDITORS.
Rev. HENRY WARD BEECHER, Rev. LYMAN ABBOTT.
Sole medium of Ellin\vood.'s authorized, verbatim reports each -week of
MR. BEECHER'S
SERMONS IN PLYMOUTH CHURCH.
,A.XJTIIOR.IZ.A.TIOJSr :
Brooklyn, October, 1876.
Publisher of the Christian Union.
Dear Sir: — Mr. T. y. Ellinwood has been the reporter of my sermons for some eighteen years ; attd
he is the only authorized reporter of them. The sermons which you are printing; week by week, from his
hand, are published by you alone, and are the only ones for which I will consent to become responsible.
Henry Ward Beecher.
All his literary productions, including the characteristic "Star Papers," will be given.
'•£ Comments every week by Mr. Abbott on the
INTERNATIONAL LESSONS,
And articles on Biblical and Sunday-school Topics by Mrs. H. B. Stowe, Rev. Howard
Crosby, D.D.; Rev. Edward Eggleston, D.D., and others.
A GREAT SERIAL STORY IN JANUARY, BY
Rev. EDWARD EVERETT HALE, D.D.
Author of "A Man without a Country," &c.
OTHER SPECIAL CONTRIBUTORS:
Rev. Leonard Bacon, D.D. ; Rev. S. H. Tyng, Jr., D.D. ; Gail Hamilton, Pres.
Noah Porter, D.D. ; Charles Dudley Warner, Frank Beard, M. C. Hazard, Rev.
E. A. Rand, Rev. J. N. Sturtevant, D.D. ; Prof. L. T. Townsend, D.D. ; Rev. J.
H. Vincent, D.D.; Rev. H. W. Warren, D.D.; Mrs. Mary E. C. Wyeth.
8^ Special Suppleinent for Christmas aelehration in the Sunday-
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missions to Agents. No charge for Outfit. Send for particulars.
HORATIO C. KING, Publisher,
November 29, 1876. 27 Park Place, New-York.
Chartered 1850.
STUYVESANT
Insurance Company.
Capital, - - $200,000
Surplus, - - 208,562
Assets, - - $408,562
Bowery and 200 Broadway,
NEW^-YORK.
Geo. B. Rhoads, Secretary. S. P. Patterson, President.
Sam'l Willets, Vice-President
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THE NEW-YORK TIMES
FOR 1877.
DEVOTED TO REPUBLICAN PRINCIPLES,
AND TO
Reform in Municipal, State and Greneral Grovernment.
The course of The Times during the Presidential
Campaign has secured for it hosts of new friends, and
has placed be3'ond controversy its position as the fore-
most Republican journal in the United States. During
the political struggle preceding the election, the fullness,
accuracy and fairness of its news reports were as obvious
as its vigor and breadth of view as an organ of public
opinion. The critical situation in which the country is
placed by the disputed result of the election has been
promptly recognized by The Times, but it has found
no reason to modify the claim which it urged, alone
among its contemporaries, on the day following the
election, that the vote of the 7th of November secured a
majority of Electoral votes for Hayes & Wheeler.
The more thoroughly the facts of the election are disen-
tangled from the mass of Democratic falsehood and pre-
tense which has been thrown around them, the more
clearly is the justice revealed of the claims made by
The Times the morning after election.
J) The election has given rise to constitutional contro-
^ versies, whose discussion may last for months to come,
and whose settlement may tax all the good .sense, for-
bearance, and law-abiding instincts of the people at
large. It will be our constant endeavor to correct e.x-
cited feeling by dispassionate argument, to urge tlie
supreme necessity of moderation and fair dealing, and
to place the responsibility for stirring up strife where it
belongs. But we shall do so without abating one -jot of
the just demands of a partj' which stands securely on
the right, and of a people the integrity of whose institu-
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of law.
The Times will defend the right of individual States
to have the declaration of their will by the recognized
authorities of such States protected by all the safeguards
which have been thrown around it by the letter of the
Constitution and the usage sanctioned by its authors.
But it will none the less insist on the duty of Congress to
devise means, by constitutionalaraendment or otherwise,
whereby citizens of the United States may be protected
against virtual disfranchisement through imperfections
in the mechanism provided by any State for securing an
honest count of their votes. While carefully avoiding
all that may tend to promote sectional animosity among
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the Northern immigrants in the South in the possession of
rights gaaranteed them by the Constitution. It will do
all in its power to promote the policy of peace and con-
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sight of the fact that Northern confidence and amnesty
must find their return in the enforcement of even-handed
justice and scrupulous regard for the letter and spirit of
the law on the part of the South.
Its influence as a leading exponent of political opinion
will be strengthened by all that is needful to enhance
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acknowledged excellence of its correspondence by mail
and telegraph from all parts of the world will be fully
maintained. In the sphere of literary and artistic criti-
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address itself, as heretofore, to the appreciation of the
educated and intelligent classes of the American people.
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right. No theories subversive of the principles on which
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The Times rejects all advertisements of lotteries,
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The Weekly Times containing as it does selected
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a paper admirably fitted to circulate in every portion of
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conductors to us; every means, not only to maintain its
well-earned supremacy, but to make its popularity still
more decided.
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Address, THE NEW- YORK TIMES, New- York City.
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Insurance Company,
No. 141 BROADWAY,
NEW-YORK.
Cash Capita, - -
$200,000
DIRECTORS.
Jas. W. Beekman, Jaques Guedin,
George A. Robbins, R. Stuyvesant,
David Jones, Fred'k J. De Peyster
J. P. Giraud Foster, Jas. R. Plum,
Alex. M. Agnew, John Bloodgood,
E. H. Perkins, Jr. Wm. H. Gebhard,
Julius Catlin, Jr. John D. Brez,
H. Blydenburg, Benj. T. Kissam,
J. H. Burton, E. H. Ammidown,
John R. Smith.
David W. Lewis,
Philip Herrman,
W. D. Waddington,
R. L. Schieffelin,
F. C. Niebuhr,
R. M. Harison,
John A. Stewart,
Ed. Renshaw Jones,
M. Zborowski,
OFFICERS.
W. D. Waddington, President. John R. Smith, Secretary.
Mortimer Smith, Surveyor.
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Established. July, 1836.
J. & B. BEOOKS, for the Proprietors.
g, Semi-Weekly &,
No. 23 PARK ROW, N. Y
Devoted to the Interests of the Merchant and Banker, the Farmer
AND Trader, Men of Ideas and Men of Work.
Independent in its Opiijions, but Democratic in Politics,
OS THE PRINCIPLE OF THE GREATEST GOOD TO TFF GREATEST NUMBER.
FIRE AND LIFE INSURANCE NEWS A SPECIALTY.
The E
XPRESS Reports
OF THE
Dry Goods, yVLsTAL, j^ardware, pROCERY, jVine and ^pirits M.arkets,
ARE FULLER AND BETTER THAN THOSE OF ANY OTHER
DAILY PAPER IN THE UNITED pTATES.
FOUR EDITIONS °SS^^" PUBLISHED DAILY.
DAILY HOTEL ARRIVALS.
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FIRE INSURANCE COMPANY.
No. 158 Br
NEW-YORK,
Cash Assets, Jan. 1, 1876, $264,702.61
Arthur H. Walton, Geo. A. Jarvis,
Secretary. President.
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STATEMENT
CHANICS and TRAD
Insurance Company
OF NEW-YORK,
No. 48 WALL STREET, Bank of New-York Building.
(Incorporated and commenced business April 18th, 1853 )
Cash Capital, $200,000.
Surplus , . . . l^S^-^SS.
$625,483.18
ASSETS, January 1, 1876.
First Mortgages on Real Estate in the Cities
of New-York and Brooklyn, - - $349,850.00
United States Bonds owned by the Company, 185,569,00
Loans on United States and other Stocks, - 17^800.00
Interest accrued, -. 2,838.20
Cash in Banks, and in office, - - 51,198.01
Bills receivable (and not matured), - - - 17, lr26. 55
Premiums in course of collection, - - 18,687.08
Salvage due the Company, - - - - 17^439.59
$660,508.43
LIABILITIES.
Losses unadjusted.
Other Liabilities,
$33,123.00
1,902.25
$35,025.25
$625,483.18
JAMES R. LOTT,
Presidenl.
JOHN M. TOMPKINS,
Sicrctary.
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THE AMITY
Insurance Company.
Cash Capital, - - - $200,000
RISKS WELL SCATTERED.
LINES SMALL.
DANGEROUS LOCALITIES AVOIDED.
Losses Rqtiitably and Promptly Settled.
Office^ No. 345 Broadway
ntew-^v^ork:.
NATHAN HARPER, EDWARD MERRITT,
Secretary. President.
Branch Office, No. 184 Broadway, New- York.
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Insurance Company,
No. 100 Broadway
NEMT-YORK.
SS6TS,
85,316.62
Invested in TJ. S. Government Bonds.
John W. Simonson, Secy. Rich'd L. Franklin, President.
DIRECTORS.
Samuel D. Babcock of Babcock, Brothers & Co.
Dan'l H. Baldwin Commission Merchant.
Martin Bates of M. Bates, Jr. & Co.
Horace B. Claflin of H. B. Claflin & Co.
Samuel Coulter. » of Walsh, Coulter & Co.
John J. Crooke 38 Crosby Street.
William- P. Dixon 50 Wall Street.
Richard L. Franklin 100 Broadway.
William T. Garner of Garner & Co.
Courtlandt p. Dixon Clinton Avenue, Brooklyn.
Bry :e Gray of James F. White & Co.
Oliver Harriman of Low, Harriman & Co.
George G. Haven of G. G. Haven & Co.
B. Kreischer of B. Kreischer & Son.
J. Henry Lane of Ammidown, Lane & Co.
Richard A. McCurdy Vice-President Mutual Life Insurance Co.
James M. Morrison President Manhattan Company.
Joseph Seligman of J. & W. Scligman & Co.
Henry F. Spaulding President Central Trust Co.
John W. Simonson 100 Broadway.
Robert T. Woodward of Woodward, Lawrence & Co.
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INCORPORATED 1857.
HE MONTAUK
Insurance Company,
OF BROOKLYN.
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Capital, - - - - $200,000
Gross Assets, NovY, 1876, - 402,779.4
OiriPiOES.
QQ Court Street, Brooklyn,
A\D
120 Broadway, New-York.
(Equitable Building.)
WILLIAM ELLSWORTH, President.
GEORGE G. TRASK, Secretary
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ERCHANTS' FiRE
Insurance Company
OF THE CITY OF NEW-YORK,
No. 149 Broadway.
(N. W. COR. LIBERTY STREET.)
Cash Capital,
- $200,000,00
Gross Assets,
- 516,599,03
Unsettled Losses, -
- 3,000,00
Net Surplus, Nov. 1, 1876,
- 313,599.03
Insures upon first-class Property
at Reasonable Rates.
Losses promptly Settled and Paid.
C. V. B. OSTRANDER, President.
J. S. Barker, Vice-President.
J. L. Douglass, Secretary.
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Organized December, 1856.
LAFAYETTE FIRE
Insurance Company
OF BROOKLYN.
Capital, - - - - $150,000
Surplus, Dec. 1, 1876, - 240,000
$390,000
OFFICES:
359 Fulton Street, Brooklyn
165 Broadway, N. Y.
E. S. Terhune, Ass^ Sedy. Hubert Giroux, President
A. A. Seaman, Surveyor. George W. Hunt, Secretary.
p:^@§«^>
ORGANIZED 1859.
COMMERCE FIRE
Insurance Company,
Of the City of Ne^Ar-York.
Cash Capital, $200,000
This Company has been in successful operation for over seventeen years,
and during that time has paid all its losses promptly and in full, including
those incurred by the disastrous fires in Chicago and Boston.
Directors.
DUNCAN McDOUGALL, President.
FRANCIS SKIDDY Skiddy, Minford & Co.
SAMUEL D. BABCOCK , Babcock Bros. & Co.
HENRY A. SMYTHE 21 East 14th Street.
ROSWELL SKEEL , Roswell Skeel & Co.
HENRY L. HOGUET President Emigrant Industrial Savings Bank.
GEORGE M. GROVES , ...Vice-President.
WILLIAM H. SCOTT .Scott & Crowell.
FRANCIS PARES 45 Beaver Street.
JOHN R. SUYDAM 43 East 22d Street.
WM. H. TILLINGHAST Treasurer Lehigh and Wilkesbarre Coal Co.
W. H. H. MOORE 2d Vice-President Atlantic Mutual Insurance Co.
WELLINGTON CLAPP Wellington Clapp & Co.
V. MUMFORD MOORE A. Person, Harriman & Co.
CYRUS H. LOUTREL Francis & Loutrel.
MARTIN E. GREENE . . i West 50th Street.
A. C. FARGIS Townsend, Montant & Co.
WM. H. CROSS E. Cauldwell's Son.
WALTER H. LEWIS Lewis Brothers & Co.
L. D. De BOST David N. Lord & Co.
J. E. MUNSELL 93 Water Street.
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WILLIAM E. HOXIE, Secretary.
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THE RUTGERS FIRE
Insurance Company.
Principal Office, No. 180 Chatliam Square,
Junction Mott and Worth Sts.
o , „„ ^No. 58 Wall Street,
Branch Offlces;]., r-^-, c ^u a
( No. 557 Sixth Avenue.
Cash Capital, . . $200,000
Net Surplus, over . 250,000
Assets, . . . $450,000
Insures against damage by fire on all descriptions of property, on as favor-
able terms as those of any responsible company. The attention of Housekeepers
is particularly called to the fact that this company makes the Insurance of
Household Furniture a specialty. Grateful for past favors, it is hoped
that a discriminating public will still continue its liberal support.
EDWARD B. FELLOWS, President.
CHARLES D. BAILEY, Vice-President.
JOSEPH W. DUGLISS, Secretary.
LEWIS S. WATKINS, Surveyor.
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B
T. BABBITT,
Manufacturer of the famous
B. T. BABBITT BEST SOAP
FOR, .A.LL THE IV.4.TIOISrs.
Also, Manufacturer of the Beautiful and World Renowned
B.T. Babbitt Toilet Soap
The Finest Toilet Soap ever Introduced.
Pure in its Ingredients ! Made from Vegetables !
Contains no Greasy Substance !
See what the N. Y. Tribune says about it :
" The renown of Mr. Babbitt's various productions has for many years been widely dissemi-
nated ; but this latest success is the appropriate crown to the numerous victories already achieved.
After years of patient labor and scientific experiment, Mr. Babbitt has succeeded in perfecting the
composition of the finest toilet soap ever introduced. The principal ingredients are the purest vege-
table oils; the manufacturing processes are entirely new and original, and the result is simply
imparalleled in this department of industry.
" ' The Babbitt Toilet Soap ' is the trade-mark by which this elegant toilet luxury is desig-
nated, and for appHcation to the dehcate skin of infants, children and ladies it is altogether unequaled
in its emoUient properties. This soap is not perfumed, the ingredients being of such absolute
purity as to require no aid from chemistry to disguise inferior materials. The most refined taste con-
siders the absence of artificial perfume the perfection of sweetness, and this peculiar characteristic
of ' The Babbitt Toilet Soap ' renders it the most healthful and agreeable article of the kind
ever manufactured.
' ' Though specially designed for the use of ladies and children , this soap is equally appropriate for
gentlemen's toilet; and as it makes a heavy lather, it is also one of the finest soaps for barbers' use."
For Sale by the Trade and Druggists throughout the United States, in Canada,
and the leading cities of Europe. AH letters will receive prompt attention.
Sample Box of "The Babbitt Toilet Soap," containing 3 cakes of 6
ounces each, sent free to any address on receipt of 75 Cents. Address
No. 61 Washington Street, New- York.
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(Largest Soap Works in the World.)
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Insurance Company of New- York,
No. 184 Broadway,
Cor. of John Street.
Capital, - - $200,000.00
(All invested in TJ. S. Bonds.)
Assets, July 1st 1876. 412,368.29
Isaac R. St. John,
President.
A. R. Frothingham, Wm. R. Macdiarmid,
Vice-President. Secretary.
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\ TRY IT FOR A YEAR.
THE DAILY GRAPHIC.
The Only
Illustrated Daily Newspaper.
GIVES ALL THE NEWS,
And, in addition, Four Pages of Illustrations every Day.
It is always readable and interesting, and pleases the
family more than all others.
TERMS, POST-PAID:
I Year, - - - - - $12.00
6 Months, ----- 6.00
3 Months, - - - - - 3.00
The Saturday Edition only, sent as a
Weekly, - - - - 2.50
Address,
The Daily Graphic,
New-York.
I
— <=><;5$€3gE38g>o- — — <^e%^^M
INSURE YOUR PROPERTY
IN THE
WESTCHESTER FIRE
INSURANCE COMPANY
OF NEW-YORK.
Office, 141 Broadway, N. Y.
Capital, ----- $300,000
Surplus, ----- 609,700
Assets, Dec. i, 1876. - - - $909,700
Summary of Assets.
U. S. Bonds, $471,552.50
N. Y. State and Co. Bonds, -------- 55,290.00
R. R. Bonds and Bank Stock, ------- 30,900.00
Bonds and Mortgages, -------- 190,800.00
Real Estate, ---------- 25,000.00
Loans on Call, 12,350.00
Interest due, -.. 5,603.49
Cash in Bank, ---------- 52,804.86
Agency Premiums in course of Collection, - - - - 57,024.19
Office Premiums in course of collection, _ - - - - 8,375.45
Total, -------- $909,700.49
George R. Crawford, Sec'y. George J. Penfield, Pres't.
Wm. H. Bowne, Treas.
Henry Griffen, Ass't Sec'y. JoHN E. MARSHALL, Vice- Pres't.
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THE SUN
NEWSPAPER
Is printed and published every day in the year, at i66, i68, and 170 Nassau
Street, New- York city. Its regular edition on secular days now averages about
140,000 copies ; its weekly edition over 100,000 ; and its Sunday issue
is also over 100,000. It thus prints and sells more than a million copies a
week, which are read all over the United States. This is a circulation unprece-
dented in American journalism, and it is constantly on the increase.
ADVERTISING RATES.
DAILY EDITION.
Ordinary Aclvertisememts, per Agate line !$0.40
Il<arg"e Type or Cuts (Agate measurement), per line O.SO
Business Notices, before Marriages and Deaths, per line 0.7S
Special I^'^otices, after Marriages and Deaths, per line O.SO
Banking' and Financial (after Money Article), per line O.tS
Reading" l^^otices, with " Adv.," 3d page, per line 1.50
Reading I^otices, with " Adv.," ist or 2d page, per hne 2,SO
SUNDAY EDITION.
Same rates as above.
^VEEKLY EDITION.
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'^•s^^i^^^flg:.
— =o«^^^j^3ss>c=-
-^^sg@@§+§l
HOFFMAN FIRE
Insurance Company
OF THE CITY OF NEW-YORK.
Office, No. 130 Broadway.
Capita and Surplus, $395,000.00
MARCUS R HODGES, President.
SAMUEL M. CRAFT, Vice-Pres. JOHN D. MACINTYRE, Secretary.
DIRECTORS.
William O. Hoffman,
James L. Morgan,
Frederic De Peyster,
C. D. Leverich,
Samuel V. Hoffman,
Edward R. Norton,
George M. Miller,
Albert Ward,
Robert Schell,
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i
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22$<^^®
— -=3<§$6d&3$s><=-
— --c^g®^.^
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•i:^@@?^> —
-=o«<3${o35e3gg>)o —
c^g^accegj
^ OFTHE CITY OF
Cash Capital, - $qoo,ooo.oo
OFFICES,
No. 348 Broadway,
New -York Life Lis. Building, Come/- of Leonard Street.
OFFICERS.
Edward Hotchkiss, President. Jacob Campbell, vice- President.
Robert M. G. Dodge, secretary.
Branch Office, - - - - No. 165 BROADWAY.
ORGANIZED 1853.
EXCHANGE FIRE
Insurance Company,
No. 172 Broadway, cor. Maiden Lane.
Assets, $407,010.00
ASHEB TAYLOR, Vice-Pres't. G. W. MONTGOMERY, Sec'y.
Having met promptly, all Losses, and maintained its Capital and Integrity intact through
the disasters of Troy, Portland, Chicago, Boston, and all the vicissitudes of the past Twenty-
Four Years, without the "calling in" from the Stockholders, or "making up" for impair-
ment of capital, or for " Surplus" to the amount of a single Dollar; and now, in a sound and
flourishing condition, this Company is making Insurance against Fire at fair rates, and with
prompt and liberal Adjustment of Losses.
THOMAS B. PECK, Ass't Sec'y. R. CARMAN COMBES, Pres't.
We endeavor to conduct our business on principles which tend to promote with our dealers
continued good-will.
FIRE INSURANCE COMPANY,
Jio. 2,01 Sfokdw^y,
New- York.
Assets, 1,500.000 Dollars
•^
'J -^5
H. A. HOWE, President
P. NOTMAN, Vice-President and Secretary.
ASSOCIATE MANAGERS:
BEVERIDGE & HARRIS, Chicago, Illinois.
SNIDER & LINDSEY, Cincinnati, Ohio.
L. R. MORRIS, Detroit, Michigan.
'^[^@@2^>
I
if^r^rHra^isTHr^j^.
THE
NEW-YORK LIFE INSURANCE CO.
THIRTY-TWO YEARS' BUSINESS EXPERIEITOE.
125,000 Policies Issued. Payments to Policy-holders, $38,000,000.
ANHUAL I17C0UE, CASH ASSETS,
8,000,000 $33,000,000
Surplus, New- York State Standard, $5,500,000
AGE.
EXPERIENCE.
STRENGTH.
THE COMPANY'S HOME OFFICE, 346 and 348 Broadway, New- York.
The New-York Life Insurance Company has been doing business for thirty-two years, and now offers
to those desiring insurance all the advantages that great experience, a well-established business and reputation,
and carefully perfected plans, can afford.
The large amount of Assets now held by the Company, the large number of policies in force on carefully
selected lives in the most healthful parts of North America and Europe, and the long experience of its
ofticers and managers, place its stability and future prosperity beyond a doubt. Having no capital stock or
stockholders, its policy-holders receive their insurance at its actual cost, and reap all the advantages of
insurance in a company in which expenses and death-losses are reduced to the minimum.
TliE New-York Life has been progressive as well as prudent, and has proved itself the friend of the
unfortunate in the methods by which it has secured the benefits of life insurance to the people. The syi«>tein
of iion-ibricitiirc policies, by ^vliioli iiiillionij; of <lolIars Iiavc Wen saved to
policy-liol<lers, orig-inafed vvitli tliis company in I860; and in 1871 it so combined
the Tontine principle in the distribution of surplus with the principle of insurance as to obviate many of
the objections heretofore made against life insurance.
Persons who desire insurance, and value age, experience, and approved methods, as a guaranty of successful
results, are invited to examine the claims of the Company, especially the fontine Investment Policy,
which has received the unqualified approval of the ablest actuaries.
• Medical Examiners.
*C^
CORNELIUS R. BOGERT, M. D.
GEORGE WILKES, M. D.
CHARLES WRIGHT, M. D., Ass't Medical Examiner.
MORRIS FRANKLIN, President.
WILLIAM H. BEERS, Vice-Prcs. &= Actuary.
THEODORE M. BANTA, Cashier.
D. O'DEIiL, Snft of Agencies.
^:^ISJSiSrBJSI^BJSJHJSJ"SJSJSrSJ^
THE COST OF LIFE INSURANCE,
And its Value Compared with Money at Interest.
We give on tliird page of cover, tables show-
ing the annual premiums payable on several
kinds of policies at all insurable ages. For
explanation of the advantages of these policies
the reader is referred to pages 46 and 47. We
wish to call attention here to the fact that the
actual cost to the policy-holder can never be
more than the rates given here, and that after
the first year they will be decreased by what-
ever dividends are declared by the company,
these dividends being applicable to the reduc-
tion of the sc-iv/td and all subsequent annual
premiums, unless the policy-holder prefers
to leave them with the company and allow
them to increase the face of his policy.
The table on the left is largely self-explana-
tory. It only needs to be added that the
amounts given opposite the different ages are
those which would be received should death
occur at the hcgiiiniiig of the year, as the
value of the sum at interest varies during the
year, gradually approaching the next amount.
The number of deaths given for each age is the
number which, according to the mortality rate
among insured lives, will die each year among
1,000 persons of that age alive at the begin-
ning of the year. Were account taken of
the dividends regularly paid by the Nevv-
YoRK Life the comparison would be much
more favorable to insurance.
It will be seen that the $100 which secures
$4,405.28 from the day the first payment is
made, if invested in life insurance, would not
amount to a single thousand /;/ inon than
seven years, if put at interest, and during that
time over sixty persons in 1,000 will die.
Over thirteen years \\ill elapse before mone)'
at interest will bring half the amount that it
would if invested in insurance, and during
this time 121 persons in 1,000 will die. Be-
fore the money at interest reaches the amount
afforded by a life insurance policy, about 210
in 1,000 will have died.
There is no antagonism between life insur-
ance and savings banks. The two systems of
laying aside money are radically different.
The insurance company provides against pov-
erty during the time in which a man would
be earning money to put in the bank. The
savings bank takes care of your money if you
save it, it increases it IF you leave it there
long enough ; but you must earn and ivait for
all the security it affords. Life insurance, on
the other hand, affords instant security and
constant security to the amount of from ten
to FIFTY times the sum paid in yearly, accord-
ing to the age of the insured and the kind of
policy taken. If a man wishes to put his
money where it will gradually increase, and
where he can gel it when he wants it, let him go
to the savings bank; if he wishes with a small
sum to provide a large sum against a period
of danger in his life, when if he should die he
would leave his family in straitened circum-
stances, let him go to the life insurance
company. Life insurance is therefore best for
most young men.
What young men need is money for
their families in case of their OAvn early
death ; if they live long they can take
care of themselves and theirs. But
■who w^ill give their families money if
they die ? and give it to them as a
matter of right and not of charity ?
There is but one class of institutions
that does this, and that is life insurance
companies ; there is but one method
by which a young man can use most
of his earnings for present gratifica-
tion, and still leave his family provided
for in case of his own early death — and
that is by insuring his life.
This method of securing capital by means
of life insurance is almost the direct opposite
of borrowing money. A man borrows money
for present needs to be repaid by and by ; he
insures to provide for future needs and never
repays the principal at all. The borrower
pays from five to ten per cent, as long as he has
the use of the money ; the insurer pays from
two to ten percent, until the money is needed,
and has the use of it forever after for nothing.
The borrower, when stricken down by dis-
ease, thinks of his debt as something that will
ruin his family after his death ; the insurer
thinks of his insurance, when death stares liim
in the face, as the sure support of his family
when he shall be no more.
FIRE INSURANCE COMPANY
Of the City of New-York,
Office, 166 Broadway
(CHARTERED IN 1852.)
This Company has been in successful operation twenty-six years, and has paid all its
losses, including those of the great conflagrations of Troy, Portland, Chicago and Boston,
promptly, and in full, and continues to insure against loss or Damage by Fire on reasonable
terms.
Cash Capital $200,000.00
Re-insurance Reserve, January i, 1877 30,143.49
Unpaid Losses and other Liabilities, January i, 1877, 1,693.26
Net Surplus, January i, 1877 65,716.27
Total Assets, " " $297,553.02
WM. A. ANDERSON, President.
C. W. PARMELEE, Secretary.
DIRECTORS.
Wm. A. Anderson,
Wm. A. Thomson,
Isaac N. Phelps,
Sam'l Colgate,
William Barton,
A. R. Van Nest,
John C. Martin,
J. B. Rumrill,
Czar Dunning,
James M. Jones,
James Stuart,
Joseph Slagg,
C. Abernethy,
W. W. Phelps,
George B. Greer,
James Stokes, jr.
Elward Smith,
Chas. B. Colton,
Harman Blauvelt,
Henry Van Schaick,
O. G. Walbridge,
L. Bayard Smith,
W. O. Woodford,
Elbert A. Brinckerhoff,
Lester A. Roberts,
Alfred J. Taylor,
John C, Hoyt,
C. W. Parraelee,
F. Lawrence.
r*
THE CHRIST
Undenominational, Evangelical, Protestant, Christian.
Rev. HENRY WARD BEECHER,
Rev. LYMAN ABBOTT,
HORATIO C. KING, Publisher, New-York.
^ED.
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MR. BEECHER'S
SERMONS IN PLYMOUTH CHURCH,
Comments every week by Mr. Abbott on the
INTERNATIONAL LESSONS
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THE INDEPENDENT
For 1878
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"UNDER THE LILACS," by Louisa M. Alcott,
A SERIAL STORY FOR GIRLS.
"TOWER-MOUNTAIN," by Gustavus Frankenstein,
A. " PtOBITsTSOISr CRXJSOTG" STORY.
Begin in the December Number of ST. NICHOLAS. Edition, 100,000 Copies.
Sbme idea of the attractions oflered in the
CHRISTMAS HOLIDAY NUMBER
of St. Nicholas, of which 100,000 copies will be
The tSJEW COVER is by the English Artist,
W^VLTER, crank;,— the famous de-
signer of "The Baby's Opera,"
Ctwistmas contts bat oncf a year,
HOi^n it comes it brinj^s j^ooJ cheer.
issued, may be gained from the following : There are
poems by HENRY ^fJ . LONGFELLOW
and WILLIAM GULLEN BRYANT;
a fine hitherto unpublished sketch of Boy Life, by
the Late THEODORE NA^INTHROP; and
a short story by the author of "ALICE 1 ^f
WONDERLAND;" a new fairy stoiy, "Swei-:t
Marjoram Day," by FRANK R. STOCKTON,
"THE PETERKINS' CHARADES," by
LUCRETIA P. HALE; a poetic riddle by
I>R.. .T, Gr. HOI^L A.TSrO/and a comparison
between the manners of young folks in old times and
nowadays, by CS-A.IL Jtl A. MILTON.
Of the story element, the brightest feature is the
beginning of the new serial by ]Mi«<s jVLCJOTT,
entiiled "UNDER THE LILACS," with illus-
trations by Mary Halloek Foote.
" The story is quiet and lovely in feeling, full of life,
and of quaint, jolly bits of childhood. It is characteristic
of JVXis!S ^Vlcott ill lier l{e>it Vein; but
it is not intended foi
eaders of vitiated taste who
)r think they need, sensational stot
need, or think they need, sensational stories. The BOY
IN THE STcJKY is a character that will charm all
BO Y S fully as much as its girl re.ider.s.
The Christmas Number contains also the opening of
a new Serial Story for Boys, a tale of tropical life,
by auSTAVUS FRANKENSTEIN,
entitled " TO WER, - JVIOU1VTA.IN,"
admirably illustrated by the artists Moran and Kelly ;
A PORTRAIT OF MISS ALCOTT,
with a sketch of her life; several poems by
TWO LITTLE AMERICAN GIRLS; a
PLAY, and a CHRISTMAS CAROL (set to
music) ; and half a dozen complete short stories, bright,
funny, exciting and pathetic, &c., &c.
ICHOLAS FOR 1878,
Besides Miss Aleott's serial for Girls, and the
three serials for Boys, to follow each other in
rapid succession, will contain a short serial story by
the AUTHOR OF "THE SCHONBERG-
COTTA FAMILY;" and an article, "AROUND
THE WORLD IN A YACHT, BOYS!" has
been promised by a brilliant writer, now on the actual
tour of the world in his own yachL There will
be contributions by a DAUGHTER OF THE
FAMOUS PETER PARLEY, and a Letter
to Young Americans by
GEORGE MACDONALD.
The "HOVV" SERIES of instructive papers, by
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HOW they mine coal ; HOW to enjoy yourselves at
home; HOW to be an agreeable guest; HOW to
entertain company; HOW to be a carpenter; HOW
to make an ice-boat; HOW to build a house; HOW
India rubber is gathered; HOW matches are made;
HOW money is made; HOW mackerel are caught;
HOW they laid the Atlantic cable; HOW they mine in
California; HOW they work in the tea-country; HOW to
be a parlor magician ; etc. There will be also a series of
stories and sketches of Foreign Life,
TRAVEL AND ADVENTURE, '
such as "Old Nicolai" (a Russian story), "A Day
among the Welsh Castles," " Easter in Germany,"
"The Indians of the Amazon," "How Kitty was Lost
in a Turkish Bazaar," "Master Montezuma" (a
Mexican story), " Hansa, the Lapp Maiden," and
many others.
"Jack-in-the-Pulpit." "Young Contributors' Depart-
ment," " Letter- Bo.x," "Riddle-Box," and "For Very
Little Folks," will be continued.
The four bound volumes of St. Nicholas already
published are the most wondert'ul, beautiful and attractive
Christmas Present for Young People. Each volume is
complete in itself. Vols. I and 2, $3.00 each ; vols, j and
,4, $4.00 each.
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and loyal, free from partisan bias and closed to all personal detraction ; religious in matter and
spirit, placing the religfious life above ecclesiastical differences. It is
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assisted by an able staff of contributors. Among its special attractions will be editorials on current
and religious topics, brilliant and timely editorial paragraphs, a weekly sermon, stories for children,
the best exposition of the weekly Sunday-school lesson, a serial story, a department of Church news
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Twenty-six insertions 20 "
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H. W. DOUGLAS, Pub. Agt.
15 Murray Street, New- York,
THE
GREENWICH
Insurance Company,
No. 151 Broadway. New-York.
This Company has b«ea nnintemiptedly in business U years, liaving eommeneed iHisiness Janoary Ist, 18S5.
STATEMENT, Jaijuary 1st, 1877,
Cash Capital $200,000.00
Reserve for Re-insurance 103,1 14.80
Reserve for Losses 23,381.22
Reserve for all other demands against the Company 75-65
NET SURPLUS 317,639.46
Total Assets $644,2 11.13
ASSETS, .
United States Government Bonds $383,775.00
Loans on Bonds and Mortgages (first liens) 125,851.00
Bank Stock , 20,500.00
Railroad Bonds 1 1 ,000.00
Call Loans on Stocks and Bonds 58,275.00
Cash on hand and in Bank 30,467.36
Premiums due 13,488.87
Interest accrued 61.15
Interest due (ist January, 1877) 792-75
$644,21 1. 1 3
SAMUEL C. HARRIOT, President.
MASON A. STONE, Secretary.
J
i
THE
NEW- YORK ALMANAC
FOR
1878.
EDITED BY
JAMES M. HUDNUT.
CONTENTS.
Eclipses, etc.
ASTRONOMICAL PHENOMENA.
2, ^ I Calendars
.4, 26
ILLUSTRATIONS
Prosperity 5, 28
'Sing, if You Love Me" 7, 28
A Lesson All Must Learn 9, 28
The Return of the Swallows 11, 28
'Meadows Trim with Daisies Pied "..13, 29
How Sweet You Are 15, 29
"Punt-Fishing" on the Upper Thames, 17, 29
"She Called Me Pretty — Am I ?".... 19, 29
Dreams and Fancies 21, 30
The Mother's Vigil 23, 30
We All do Fade as a Leaf 25, 30
A Discovery on Christmas Eve =7) 31
Ring Out the Old, Ring In the New 31
POSTAL
Domestic Postage,
INFORMATION.
31 I Foreign Postage.
HOUSEHOLD BRIC-A-BRAC 34-36
0
{')
0
4>
INSURANCE
The Path of Safety 37
Steadily and Grandly 37
Twelve Years of Life Insurance 38
Three Practical Questions 38-40
TOPICS.
Ins. Superintendent's Report 41-43
The Significance of Ratios 44
Progress of the "New- York Life "....45
Management of the " New- York Life ".46
!O0-'0Cx:;'0O0':>--;
NEW-YORK:
FRANCIS HART & CO., 63 & 65 MURRAY STREET,
CoRNKR CoLLIiGE PlACE.
1 1^
Entered, according to Act of Congress, in the year 1877, by Francis H.'iRT it Co., in the Office of the Librarian of Congress, at Washington.
TMM mm'M^'wmmm M.^m&MM<s.
Astronomical Plienomena, Etc., 1878.
By Berlin H. Wright, Esq., Penn Yan, N. Y.
Entered, according to Act of Congress, in the year 1877, by Berlin H. Wright, in the Office of the Librarian of Congress at Washington.
Eclipses.
There will be four Eclipses this year, two of
the Sun, two of the Moon, and a transit of
Mercury over the Sun's disc.
I. An annular Eclipse of the Sun, February
2d, at the time of New Moon, invisible in
America.
II. A partial Eclipse of the Moon, February
17th, in the morning. East of the Mississippi
River the Moon will set more or less eclipsed.
Size, ID digits.
Places.
Begins. Middle. End
Boston
New-York . . . .
Philadelphia . .
Washington . .
Charleston . . . .
Lawrence
Albany
Detroit
Chicago
St. Louis
New Orleans. .
San Francisco.
Austin
Baltimore
H. M.
4 59 Mo.
4 47 "
4 43 "
4 35 "
4 23 "
3 22 "
448 "
4 II "
3 53 "
3 42 "
3 43 "
I 34 "
3 12 "
4 37 "
H. M.
6 27 Mo.
6 IS
6 II
6 3
5 SI
4 SO
6 19
5 39
5 21
5 10
5 II
3 2
4 40
6 5
6 18 Mo.
4 30 Mo.
6 8"
III. A total Eclipse of the Sun, July 29th, in
the afternoon. Visible generally in the United
States. The total will be visible at Galveston
Bay, the middle being at about 4 h. 28 m. The
Eclipse will be nearly total at New Orleans,
Austin, Santa Fe, and Denver City.
Places.
Boston
New-York . . . .
Quebec
Toronto
Buffalo
Washington . .
Philadelphia. .
Baltimore . . . .
Charleston . . .
Detroit
Chicago
St. Louis
New Orleans .
Galveston . . . .
Austin
San Francisco
Portland, Or.
Begins.
Ends.
H. M.
H. M.
4 54 Eve.
6 39 Eve.
4 42 "
6 28 "
4 45 "
6 31 "
4 32 "
6 22 "
4 17 "
6 7 ■■
4 30 "
6 19 "
438 "
6 26 "
4 32 "
6 21 "
4 28 "
6 18 "
40"
5 52 "
338 "
5 36 "
3 30 "
s 31 "
3 46 "
5 47 "
3 27 "
5 28 ■'
3 7"
5 16 "
0 51 "
3 14 "
0 49 "
3 2 "
IV. A partial Eclipse of the Moon, August
I2th, in the evening. Size, 7.15 digits. The
Moon will rise more or less eclipsed east of
Kansas, west of which no eclipse will be visible.
Places.
Boston ,
New- York ...
Washington .
Charleston . . ,
Chicago
St. Louis
New Orleans
Hartford
Rochester . . . ,
Buffalo
Philadelphia. ,
Albany
Concord ....
New Haven .
Middle.
H. M.
7 24 Eve.
7 12 "
70"
6 48 "
7 17 Eve.
6 57 "
6 53
7 8
7 13
7 22
7 16
End.
H. M.
8 50 Eve.
8 38 "
8 26 "
8 14 "
7 44 "
7 33 "
7 34 "
8 43 "
8 23 "
8 19 "
8 34 "
8 39 ■'
8 48 "
8 42 "
V. A transit of Mercury, May 6th, visible.
Places.
Boston
Washington . .
St. Louis
San Francisco.
Philadelphia . .
New-York . . . .
Buffalo
Detroit
Begins.
H. M.
10 30 Mo.
10 6 "
9 13 "
7 5"
10 14 "
10 18 "
9 59 "
8 42 "
Middle.
H. M.
2 17 Eve.
1 53 "
10"
10 52 Mo.
2 I Eve.
2 5 "
I 46 "
I 29 "
End.
i. M.
6 4 Eve.
5 40 "
4 47 "
2 39 "
5 48 "
S 52 "
S 33 "
5 16 "
Plaaets Brigl^test.
Mercury, February 5th, June 5th, and Sep-
tember 28th, rising then before the Sun ; also
April I2th, Aug loth, and December 5th, setting
then after the Sun. Venus, January i6th and
March 28th. Mars, not this year. Jupiter,
July 25th. Saturn, September 22d. Uranus,
February i6th.
Morning Stars.
Venus, from February 20th to December 5th.
Mars, after September i8th. Jupiter, from Jan-
uary 5th to April 2Sth. Saturn, from March 13th,
to June 23d.
JlYeniiig Stars,
Venus, after February 20th. Mars, until Sep-
tember i8th. Jupiter, until January 5th, and
after April 2Sth. Saturn, until March 13th, and
after June 23d.
'Wl
MffiW^^OMK M^MMMM®^
Tl(e Four Seasons.
Winter begins 1877, Dec. 21st, 11 h. 42 M. Mo.,
and lasts 89 D. 52 m.
Spring begins 1878, March 20th, 34' M. Eve.,
and lasts 92 d. 20 h. 21 m.
Summer begins 1878, June 21st, 8 H. 55 M. Mo.,
and lasts 93 D. 14 H. 23 M.
Autumn begins 1878, September 22d, 11 H. 18 m.
Eve., and lasts 89 D. 18 H. 15 M.
Winter begins 1878, December 21st, 5 h. 33 m.
Eve.
Tropical year 365 D. 5 H. 51 M.
Cl^roiiologieal Cycles.
Dominical Letter, F. Epact, 26. Lunar
Cycle, or Golden Number, 17. Solar Cycle, 11.
Roman Indiction, 6. Julian Period, 6591.
Dionysian Period, 207. Jewish Lunar Cycle, 14.
MoYaljle Festiyals, Etc.
Septuagesima Sunday February 17.
Sexagesima Sunday February 24.
Quinquagesima Sunday March 3.
Ash Wednesday March 6.
Quadragesima Sunday March 10.
Mid-Lent March 31.
Palm Sunday April 14.
Good Friday April 19.
Easter Sunday April 21.
Low Sunday April 28.
Rogation Sunday May 26.
Ascension Day May 30.
Whit Sunday June 9.
Trinity Sunday June 16.
Corpus Christi June 20.
Advent Sunday December i.
IIml)er Days.-
1. Wednesday, Friday and Saturday after first
Sunday in Lent — March 13, 15 and 16.
2. Wednesday, Friday and Saturday after
Pentecost — June 12, 14 and 15.
3. Wednesday, Friday and Saturday after
September 14 — September 18, 20 and 21.
4. Wednesday, Friday and Saturday after
December 13 — December 18, 20 and 21.
Calendar Explanations.
In the columns of Moon's rising and setting,
the time of only one of these events is given for
each day— that one which occurs while the Sun is
down. When the word "rises" is found in the
column, the Moon is at the full, and the figures
following that word are P. M., or evening, until
the word " morn," which means midnight. From
" morn " the figures are A. M., the Moon rising
in the morning before the Sun is up. Then after
the word "sets," the time of setting is given,
which grows later and later, from early evening
until early morning, until the Moon again is at
the full.
Tl|e J2^odiae and its Signs.
Spring Signs.
1. T Aries.
2. 8 Taurus.
3. n Gemini.
Summer Signs.
4. as Cancer.
5. Si Leo.
6. TTi; Virgo.
Autumn Signs.
7. =i Libra.
8. "ni Scorpio.
9. t Sagittarius.
Winter Signs.
10. -VS Capricornus.
11. Av Aquarius.
12. K Pisces.
The Zodiac is an imaginary belt in the heavens,
sixteen or eighteen degrees broad, in the middle
of which is the ecliptic or Sun's path. The stars
in this belt comprise the twelve constellations,
being separable into that number of groups.
The groups were given by the ancients the names
they now bear, on account of real or fancied
resemblances. They are called the Signs of the
Zodiac. As the Moon can only be seen from the
earth when it is opposite the Sun, its position
with respect to the Zodiac is practically the same
as the earth's. The ancients supposed this posi-
tion at the time of a person's birth, to have an
influence on his character and destiny. They
connected the different Signs of the Zodiac with
different parts of the body as above.
-- T.
^MS MM'w^w^MM maKmitm®,
DURING the month of January, 1877, the New-
York Life Insurance Company paid
insurance poHcies on the Hves of forty-nine per-
sons. The whole amount paid was $178,397.
The whole amount that had been paid to the
Company by the holders of these policies,
in premiums, less dividends, was $63,487.92.
The gain to the families of the deceased was
$114,909.08. Thus they received back all the
money the policies cost, together with 181 per
cent, interest on the same.
LIFE has such hard conditions that every dear
and precious gift, every rare virtue, every
pleasant faculty, every genial endowment, love,
hope, joy, wit, sprightliness, benevolence, must
sometimes be put into the crucible to distill the
one elixir — patience. — Gcu/ Hamiltoi.
JOSH Billings on Pets. — All pet children are
tyrants, Snd a pet coon wants more kluss
watching than a fast deakon duz.
Pet ideas are quite risky, and pet opinyuns,
like seckon-hand clothing, are wuth just what yu
kan git for them.
A pet wife soon grows to be capting, and a pet
baby rules the whole household.
A pet horse learns to be frisky, and a pet
servant bekums cunning at the e.xpense of his
honesty.
Pet friends are the hardest to keep, and when
yu luze them, change from hunny to gaul, and
pets of all kinds are very fastidyus.
A GENTLE person is like a river flowing calmly
along ; while a passionate man is like the
sea, continually casting up mire and dirt.
JTirst ftflcmli).
^
Miiiii mi
I
^
JTljirtn-oiu Bays.
<
III
>
X
0
0
0
<
>•
<
I
2
I
2
3
3
4
4
5
6
5
6
7
8
7
8
9
9
10
10
II
II
12
12
»3
13
14
T4
15
16
15
16
17
18
17
18
19
19
20
20
21
21
22
22
23
23
24
24
25
26
25
26
27
28
27
28
29
29
30
30
31
31 1
Rising, Si-tting, and
Southing of Stars, Position
OF Planets and of the
Moon, &c., &c.
Calendar for {
BOSTON, N. Y. State, New,
England, Wisconsin, j
Michigan, Iowa,
and OREGON. I
I
Tues
Wed
Thur
Fri
Sat
;»
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
jS ]
Mon ,
Tue.s I
Wed j
Thur
Fri '
S_at I
Mon i
Tues
Wed 1
Thur I
Moon in merld. loh. 23m. mo.
Mars in merld. sh. 58m. eve.
Moon nr. Jupiter, iih. 20m. mo
Mars 90° east of Sun.
Moon nr. .Merc. loh. 36m. mo.
(4) Venus in Aquarius.
Moon nr. Venus, yh. 46m. mn.
Moon nr. Jupiter, sh. 40m eve.
(8) Moon apogee. Low tide.
Sirius rises, sh. 17m. eve.
Moon nr. Mars, loh. jSm. mu.
Mars in Pisces.
Jupiter nr. Merc. sh. 55m. mo.
(13) Moon highest.
Moon near Aldebaran.
Venus, greatest brilliancy.
Moon near Sirius.
Moon nr. Castor, Poll. &Proc'n
Jupiter in Sagittarius.
Moon nr. Uranus, 7h. 4S™- ev.
(20) Moon peri. Tide highest.
Moon in mend. 3h. Sm. morn.
Day's length, gh. 5cm.
Regulus rises, yh. im. eve.
Spica rises, nh. 34m. eve.
Moon lowest.
Saturn in Aquarius.
Moon near An tarts.
Uranus near Regulus.
(31) Venus stationary.
Moon nr. Jupiter, 6h iCm. mo.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
730
438
6 2
730
4 39
7 I
730
4 40
sets
7 30
441
5 51
730
4 42
656
7 29
4 43
8 0
7 29
4 44
9 I
7 29
4 45
ID 3
729
44b
II 0
729
4 47
morn
729
448
I
728
450
I 4
728
451
2 9
728
452
315
727
4 53
4 16
7*7
4 54
5 23
7 26
4 55
626
7 26
4Sb
rises
72s
458
6 4
724
4 59
723
724
5 0
H39
723
5 I
9 54
7 22
5 3
II 8
7 22
5 4
morn
721
5 5
22
7 20
5 6
28
719
,S 8
2 49
718
5 9
35b
7 17
5 10
4 55
716
5 12
546
7 IS
513
637
H. M.
10 II
11 4
II 49
morn
32
I 13
1 41
2 37
3 2
340
4 22
5 8
6 2
7 I
8 2
9 9
10 10
11 8
II 59
ev.47
1 35
2 19
3 4
3 52
4 45
546
6 50
758
9 I
956
10 46
Calendar for
N.Y. CiiY, Philadelphia,
NEW JERSEY, Pennsyl-
vania, Connecticut,
OHIO, Indiana and
Illinois.
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
Sun
Sun
Moon
H.W.
Sun
Sun
Rises
Sets.
Rises.
N.Y.
Rises.
Sets.
H. M.
H. M.
H. M.
H.M.
H. M.
H. M.
725
4 43
5 55
657
719
4 49
725
4 44
b54
7 57
7 19
4 50
725
4 45
sets
832
719
451
725
446
55b
9 19
719
4 52
725
4 47
7 0
9 59
719
452
725
448
« 3
1035
719
4 53
7 25
4 49
9 3
11 10
7 19
4 54
724
450
10 3
II 47
7 19
4 55
724
451
II 0
morn
719
4 56
724
4 52
II 59
26
719
4 57 1
724
4 53
morn
I 9
719
458 !
723
4 54
I I
I 54
71J
4 59 I
723
4 55
2 4
248
718
5 0
723
45b
3 10
346
718
5 I
7 22
4 57
4 10
4 47
718
5 2
7 22
4 59
5 20
5 54
7 17
5 3
721
5 0
6 19
656
7 17
5 5
721
5 I
rises
7 SO
71b
5 b
721
5 2
b 7
844
71b
5 7
720
5 3
725
9 33
7 15
S 8
7 19
5 4
840
10 20
7 15
5 9
7 18
5 5
9 53
II 2
7 14
5 10
717
5 7
II 6
II 49
714
5 II
7 17
5 8
morn
ev. 38
713
5 12
71b
S 9
19
I 32
7 12
5 13
71b
5 10
I 21
233
7 12
5 15
715
5 "
243
33b
711
Sib
7 14
5 13
3 49
4 43
7 10
5 17
713
5 14
448
5 46
7 9
5 18
712
5 IS
5 39
6 42 1
7. 8
519
7 12
51b
b3i
750 1
7 8
5 20
H. M.
548
647
sets
6 I
7 4
8 6
9 4
10 3
1059
11 57
morn
57
2 o
3 4
4 3
516
6 12
rises
6 12
7 28
8 41
9 53
II 4
morn
15
1 18
2 37
3 42
4 41
5 32
6 25
Moon's Phases.
New Moon, | 3
First Quarter,' 11
Full Moon, I 18
Last Quarter, 1 25
Boston.
H. M.
9 19 Morning.
2 3 Evening.
7 27 Evening.
II 6 Morning.
New-York.
H. M.
9 7 Morning.
I 51 Evening.
7 15 Evening.
10 54 Morning.
vv'ashington.
H. M.
8 55 Morning.
I 39 Evening.
7 3 Evening.
10 42 Morning.
Charleston.
H. M.
8 43 Morning.
I 27 Evening.
6 51 Evening.
10 -io Morning.
Sun at Noon Mark.
D.
H.
M.
s.
I
12
3
58
9
12
7
32
>7
12
10
29
25
12
12
40
Mffiw^"F®MM m^iiimMS,©.
Prospkrtty.
CSeePajr.;=fi.)
IT is not perhaps much thought of, but it is
certainly a very important lesson, to learn
how to enjoy ordinary life, to be able to relish
your being without the transport of some passion
or gratification of some appetite. — Steele.
T
I^HE best books for a man are not always
those which the wise recommend, but often
those which meet the peculiar wants, the natural
thirst of his mind, and therefore awaken interest
and rivet tliouarht. — Chaiminp^.
TMM MM^M^WBM]
DURING the month of February, 1877, the
New-York Life Insurance Company
paid insurance pohcies on the Hves of thirty-nine
persons. The whole amount paid was $122,080.
The whole amount that had been paid to the
Company by the holders of these policies in
premiums, less dividends, was $42,984.15. The
gain to the families of the deceased was $79,095.
85. Thus they received back all the money the
policies cost, together with 184 per cent, interest
on the same.
MOLiifcRE was asked the reason why, in certain
countries, the king may assume the crown
at fourteen years of age, and cannot marry
before eighteen. "It is," answered Moliere,
" because it is more difficult to rule a wife than
a kingdom."
HAVING a home that is all command and no
concession, all preaching and no pleasure,
all duty and no fun — a dull, tread-mill, old-folks
sort of a place — it is a matter for deep regret, but
not of wonderment, that the boys drift away
from it. Keep hold of your children if you would
save them, parents. And remember that the
real forces are those of love expressed, not in
care merely, but in sympathy, co-operation,
participation, and real companionship.
— Golden Rule.
HALF the fools in the United States think
they can beat the doctors at curing the
sick ; two-thirds of them are sure they can beat
the ministers preaching the gospel ; and all of
them know they can beat the editors running
the papers. — Rome Sentinel.
\
Srconti iHoii f)-
^
w%
-f
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X
rt
H
Id
0
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u.
0
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32
I
33
2
34
3
3,S
4
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5
37
6
3»
7
39
8
40
9
41
10
42
II
43
12
44
13
4.';
14
4b
15
47
16
4«
'7
49
18
50
19
SI
20
.S2
21
53
22
54
23
S5
24
5b
25
S7
2b
S«
27
59
28
i
Fri
Sat
;S
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
F-ri
Sat
Mon
Tues
Wed
Thur
Rising, Setting, and
Southing of Stars, Position
OF Planets and of the
Moon, &c., &c.
Mars, south, sh. 8m. eve.
Mercury, greatest elong. west.
(5) Moon apogee. Low tide.
Moon near Venus.
Moon near Saturn.
Saturn's rings disappear.
Sirius rises, oh. 6m. morn.
Seven Stars set, ih, 56m. morn.
Moon near Mars.
Moon highest.
Mars in Aries.
(11) Moon near Aldebaran.
(12) Moon near Rigel.
Moon nearest Sirius.
Moon n. Cast. Pol. & Procyon
Partial eclipse of Moon, visible
Jupiter in Sagittarius.
Moon perigee. Tide highest.
Day's length, loh. sim.
Pollux sets sh. 24m. morn.
Moon in meridian, 3h. 28m. mo.
Moon lowest.
Moon near Antares.
Saturn in Aquarius.
Vega rises, iih. 13m. eve.
Antares rises, ih. 8m. morn.
Moon near Jupiter.
Seven Stars merid. sh. 6m. eve
Calendar for
Boston, N.y. state, New
England, Wisconsin,
Michigan, Iowa,
and Oregon.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
7 14
5 14
6.57
7 13
5 IS
sets
7 12
510
653
711
518
7 53
7 10
5 19
852
7 9
5 21
9 52
7 a
5 22
II 3
7 t)
5 23
II 55
7 5
524
morn
7 4
525
I I
7 2
5 26
2 5
7 I
528
3 10
7 0
5 29
4 21
659
5 30
5 4
0S7
532
S48
65b
5 33
625
6 54
5 35
rises
6 S3
5 16
730
652
53S
858
6 50
5 39
10 3
648
5 40
II 22
647
542
morn
645
5 43
37
644
5 45
I 48
6 42
5 46
2 51
6 41
5 47
3 44
b^9
5 49
4 26
6 38
5 5°
4 59
H. M.
II 27
morn
5
39
I 13
1 48
2 22
2 59
340
4 28
5 26
6 30
741
851
9 54
10 51
11 38
ev.22
I 7
1 53
2 38
3 29
4 25
5 29
637
7 42
843
9 33
Calendar for
S'. Y. City, Philadelphia,
NEW Jersey, Pennsyl-
vania, Connecticut,
Ohio Indiana and
Illinois.
Sun
Sun
Rises.
Sets.
H. M.
H. M.
7 II
5 18
7 10
5 19
7 9
5 20
7 7
5 21
7 6
5 22
7 5
5 23
7 4
5 25
7 3
5 26
7 2
5 27
7 I
528
7 0
5 30
658
5 31
657
5 32
65b
5 34
655
5 35
653
53b
bS2
5 37
6 SI
5 39
6 49
540
648
541
646
5 43
645
5 44
644
5 45
6 42
546
6 41
548
639
5 49
638
5 50
6 37
5 51
H. M.
6S2
sets
655
7 53
.85'
9 50
II o
II 51
morn
56
159
3 3
4 14
458
5 43
6 21
rises
7 30
857
10 2
11 18
morn
32
1 42
2 44
338
4 20
4 54
h.M.
8 10
850
9 25
9 59
10 32
11 5
II 44
morn
26
1 15
2 12
3 16
4 26
5 3b
6 40
7 35
8 20
9 9
9 53
1037
II 20
ev. 14
1 12
2 15
3 23
4 27
5 28
6 19
Calendar for
Washington,
Maryland, Ken-
tucky, VIRGINIA,
Missouri and
california.
Sun
Sun
Rises.
Sets.
H. M.
H. M.
7 7
521
7 6
523
7 5
5 24
7 4
525
7 3
5 26
7 2
5 27
7 I
5 28
7 0
5 29
659
5 3°
658
5 32
6 57
5 33
6 55
5 34
6 54
5 35
6 53
53b
6 52
538
6 51
5 39
649
5 40
648
541
647
542
646
5 44
6 44
5 45
b43
5 4b
6 42
5 47
6 40
548
638
5 49
6 37
5 51
636
5 52
634
5 53
6 47
sets
6 57
7 54
851
9 49
1057
II 47
morn
51
1 52
2 56
4 7
4 51
5 37
6 17
rises
7 30
85b
9 59
II 13
morn
26
1 35
2 37
3 30
4 14
4 49
Moon's phases.
New Moon, ! 2
First Quarter. 10
Full Moon, ] 17
Last Quarter, | 23
Boston.
H. M.
3 33 Morning.
8 33 Morning.
5 33 Morning.
10 29 Evening.
H. M.
3 21 Morning.
8 21 Morning.
6 21 Morning.
10 17 Evening.
WASHINGTON.
H.
M.
3
9
Morning.
8
9
Morning.
6
9
Morning.
10
5
Evening.
Charleston.
2 57 Morning.
7 57 Morning.
S 57 Morning.
9 53 Evening.
Sun at Noon Mark.
M. s.
13 54
'4 29
14 14
13 14
"S^-^®MS€ mammMs,©.
■SiKG IF You Love Me."
A LITTLE girl said to her mamma, "Mamma,
have you heard of the man that got shot? "
"No, child, how did he get shot?" asked
mamma. "Oh," said young precocious, "he
bought 'em."
THE )'oung, obscure years ought to be inces-
santly employed in gaining knowledge of
things worth knowing; especiallyof heroic human
souls worth knowing; and the obscurer such
years are, it is apt to be the better. — Carlyle.
MM'^^
DURING the month of March, 1877, the New-
York Life Insurance Company paid
insurarice policies on the lives of forty-one per-
sons. The whole amount paid was $106,441.
The whole amount that had been paid to the
Company by the holders of these policies,
in premiums, less dividends, was $42,380.99.
The gain to the families of the deceased was
$64,060.01. Thus they received back all the
money the policies cost, together with 151 per
cent, interest on the same.
HANDSOME is that handsome does," quoted
a Chicago man to his wife the other day.
"Yes," replied she, in a winning tone, as she
held out her hand. "For instance, a husband
who is always ready to handsome money to his
wife."
HOW IT Looks when Lumped. It is cal-
culated that within the past thirty years
$600,000,000 have been paid by life insurance
companies to the families of 200,000 deceased
policy-holders. It needs an occasional summing
up of this kind to impress upon the average mind
the great and most beneficent work actually done
by means of life insurance. It looks so m.uch
greater when seen in a lump. But it has been
carried on quietly day by day, a few hundred
dollars here and a few thousand there, carrying
comfort to the desolate and needy. And it keeps
on doing the same thing, only more and more of
it, every year. — Travelers Record.
NOTHING is beneath you if it is in the direction
of your life ; nothing is great or desirable
if it is off that. — Emerson.
STijivti iHontli.
4
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60
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Fri 1
61
2
Sat
62
3
;S
6^
4
Mon
64
s
Tues :
6s
6
Wed
66
7
Thur
67
8
Fri
68
Q
Sat
69
10
s
70
II
l\lon
71
12
Tues 1
72
13
Wed
7.3
14
Thur
74
IS
Fri
7,S
16
Sat
76
17
jS
77
18
Mon
78
iq
Tues
70
20
Wed I
80
21
Thur
81
22
Fri
82
23
Sat
«.3
24
;S
84
2S
Mon
»■?
26
Tues
86
27
Wed 1
87
28
Thur!
88
29
Fri
89
,30
Sat !
90
.SI
S
RISING, Setting, amd
Southing of Stars, Position
OF Planets and of the
Moon, &c;, &c.
Saturn's rings reappear.
Moon near Venus.
(4) Moon apogee. Low tide.
Moon near Saturn.
Venus in Capricornus.
Day's length, iih. 30m.
Moon in merid. 2h. 32m. eve.
(9) Moon highest.
iMoon near Mars.
Mars in Aries.
Moon near Aldebaran.
Moon nearest Sinus.
Venus stationary.
Moon nr. Cast. Pol. & Proc'n.
Spica rises 8h. 22m. eve.
Moon near Regulus.
Jupiter in Capricornus.
Moon perigee. Tide highest.
Vega rises, gh. 47m. eve.
Sun enters r. Spring begins.
Deneb rises, iih. 4m. eve.
Moon lowest.
Moon near Antares.
Saturn in Aquarius.
Regulus rises, 3h. 5m. morn.
Arcturus rises, 6h. 4001. morn.
Moon near Jupiter
Venus, greatest brilliancy.
Moon near Venus.
Uranus in Leo.
Moon apogee. Low tide.
Calendar for
Boston, N.Y. State, New
England, Wisconsin,
Michigan, Iowa,
AND Oregon.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
636
5 51
528
6.35
5 52
550
633
5 53
6 10
t.31
5 54
sets
6 30
5 55
7 44
628
5.56
844
626
5 57
946
6 25
5 5»
1050
6 23
5 59
II 54
6 21
6 0
morn
6 20
6 2
s8
618
6 3
158
6 16
6 4
2 53
6 14
6 ,S
340
613
6 6
432
611
6 7
451
6 9
6 9
5 20
6 7
6 10
nses
6 6
6 II
738
6 4
6 12
856
6 2
613
10 16
6 0
614
II 31
5 59
615
morn
5 57
017
40
5 55
6 18
I 37
5 53
6 19
2 26
5 52
6 20
3 I
5 50
6 21
331
5 4«
6 22
356
5 46
623
4 16
5 45
6 24
4 36
Calendar for
N.Y. City, Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
6.35
5 53
5 24
634
5 53
5 47
632
5 54
6 8
630
5 55
sets
6 29
556
7 43
6 27
5 57
8 41
6 25
558
942
6 24
5 59
1045
6 22
6 0
II 48
6 20
6 I
morn
6 19
6 2
51
617
6 3
I 51
6 16
6 4
2 46
6 14
6 5
3 34
612
6 6
4 27
611
6 8
448
6 9
6 9
518
6 7
6 10
rises
6 6
612
7 35
6 4
613
853
6 2
6 14
10 II
6 I
615
II 25
5 59
6 16
morn
5S8
6 16
33
5.s6
617
I 31
5 54
618
2 20
5 52
6 19
2 56
5 51
6 20
327
5 49
6 21
3 52
5 47
6 22
4 13
5 4<>
623
4 35
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
Moon's Phases.
New Moon, | 3
First Quarter, I 11
Full Moon, I 18
Last Quarter, ' 25
10 33 Evening.
11 17 Evening.
4 23 Evening,
o 6 Evening.
New-York.
H. M.
10 21 Evening.
11 5 Evening.
4 II Evening.
II 54 Morning.
Washington.
Charleston.
H. M.
ID 9 Evening.
10 53 Evening.
3 59 Evening.
11 42 Morning.
H. M.
9 57 Evening.
10 41 Evening.
3 47 Evening.
11 30 Morning.
SUN AT Noon Mark.
D.
H.
M.
s.
I
12
12
30
9
12
10
39
17
12
8
26
25
12
6
0
A Lesson All Must Learn.
(Sec P,l|;ec8.)
T is much easier to find a score of men wise
enough to discover the truth, than to find one:
intrepid enougli, in the face of opposition,
stand uj) for it. The cure is love for it.
10
mm'm^'wbm:
mm-M
DURING the month of April, 1877, the New-
York Life Insurance Company paid
insurance policies on the lives of forty-two per-
sons. The whole amount paid was $150,786.
The whole amount that had been paid to
the Company by the holders of these policies,
in premiums, less dividends, was $37,487.86.
The gain to the families of the deceased was
$113,298.14. Thus they received back all the
money the policies cost, together with 305 per
cent, interest on the same.
THE Court (severely): "Prisoner, this is not
the first time you have been here. You
have been convicted six times of vagrancy, twice
of theft, once of " The Prisoner: "Your
Honor, let 's omit all these irrelevant details and
come to business."
INSURE your life in a purely tnutual company. —
The man who insures his life takes a very
long step in the direction of perfect security for
his family in case of his own premature death.
He leaves nothing to chance that he can provide
for beyond a peradventure. He who insures in
a purely mutual company gets -his insurance for
what it costs, and if the company is likewise
large and •well-managed, like the New-York
Life, that cost will be low.
THE every-day cares and duties which men call
drudgery are the weights and counterpoises
of the clock of time, giving its pendulum a true
vibration, and its hands a regular motion, and
when they cease to hang upon the wheels, the
pendulum no longer swings, the hands no longer
move, the clock stands still. — Longfellow.
Jouvtl) iHontl).
-I-
^
EljirtD Sans.
tE
H
«
Z
ni
0
>
s
^
h
tt.
h
0
0
0
>•
>•
>•
<
<
<
U
u
Q
qi
I
Mon
q2
2
Tues
Q^
^
Wed
<)4
4
Thur
OS
S
Fri
96
6
Sat
97
7
S
q»
8
Mon
qq
q
Tues
100
10
Wed
lOI
II
Thur
102
12
Fri
103
i^
Sat
104
14
a
los
IS
Mon
106
16
Tues
107
17
Wed
108
18
Thur
109
iq
Fri
110
20
Sat
III
21
;S
112
22
Mon
11^
2^
Tues
"4
24
Wed
IIS
2S
Thur
116
26
Fri
117
27
Sat
118
28
S
up
2q
Mon
120
^o
Tues
Rising, setting, and
Southing of Stars, Position
OF Planets and of the
Moon, &c., &c.
Calendar for
Boston, N. y. State, New
England, Wisconsin,
I Michigan, Iowa,
AND OREGON.
Moon near Saturn.
Mars near Aldebaran.
Antares rises, iih. 43ni. eve.
Seven Stars set, loh. i5m. eve.
Moon highest.
Venus in Aquarius.
Moon near IVIars.
Moon near Rigel.
Moon nearest Sinus.
Moon nr Castor.Poll. & Proc'n
Aldebaran sets, loh. 6m. eve.
Moon near Regulus.
Mars in Taurus.
(15) Moon peri. Tide highest.
Mercury, greatest elong. east.
Rigel sets, 8h. 59m. eve.
Mars near Rigel.
Moon lowest.
Moon near Antares.
Sirius sets, gh. 44m. eve.
Jupiter in Capricornus.
Procyon sets, iih. 47m. eve.
Jupiter south, 6h. 27m. mom.
Moon near Jupiter.
Jupiter quad. Sun, west.
Betelguese sets, qh. 54m. eve.
Moon apogee. Low tide.
Moon near Venus
(28) Moon near Saturn.
Jupiter south, sh. 58m. morn.
Sun
Sun
Moon
Rises.
Sets.
Rises.
H. M.
H. M.
H. M.
5 43
6 25
4 55
541
6 27
5 13
5 40
628
sets
S18
6 29
8 41
5.36
5 30
946
5 35
b3i
10 51
5 33
6 32
II 52
531
633
mom
5 30
«)34
47
528
636
I 37
i 526
637
2 17
! 525
638
2 50
523
639
3 19
5 21
6 40
3 45
5 20
6 41
4 8
5i«
6 42
4 35
51b
b43
rises
5 IS
64s
9 5
5 13
646
10 19
5 12
647
II 25
5 10
648
mom
5 9
649
19
5 7
6 50
I 0
5 6
651
I 32
S 4
6 52
159
5 3
653
2 20
5 I
b.SS
241
5 0
656
259
458
6,S7
3 19
4 57
658
3 35
Calendar for
N. Y. City, Philadelphia,
New JERSEY, Pennsyl-
vania, Connecticut, 1
Ohio, Indiana and
Illinois.
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
H. M.
1056 I
II 30 I
mom
4
41
1 22
2 7
2 54
348
4 5°
5 55
7 3
8 6
9 3
9 54
1044
11 31
ev.17
1 7
2 o
2 53
348
4 44
5 39
636
7 25
813
857
938
10 17
Sun
Sun
Moon
H.V^f.
Sun
Sun
Rises.
Sets.
Rises.
N.Y.
Rises.
Sets.
H. M.
H. M.
H. M.
H.M.
H. M.
H. M.
5 44
6 24
4 55
7 39
5 46
6 23
542
6 26
5 14
813
5 44
6 24
541
b27
sets
849
542
6 25
5 39
628
837
927
541
626
5 37
6 29
941
10 8
5 39
6 27
S3b
6 30
1044
1049
5 37
628
5 34
631
II 45
11 38
5.36
6 29
5 33
6 32
morn
morn
5 34
6 30
531
t>33
40
34
5 33
b3i
530
b34
I 29
I 37
5 31
6 32
S28
6 35
2 12
241
530
633
5 26
636
247
348
528
634
S2S
637
31b
4 5°
5 27
63s
5 24
638
3 44
548
5 25
636
5 22
639
4 9
6 40
5 24
637
5 20
6 40
4 37
728
5 23
638
519
6 41
rises
8 14
5 21
639
5 17
6 42
9 0
9 3
5 20
6 40
51b
643
10 13
9 53
518
641
5 14
644
II 19
10 42
5 17
6 42
5 13
645
morn
II 37
Sib
6 42
5 II
646
12
ev.34
5 14
(J43
5 10
647
54
I 31
5 13
644
5 8
648
I 27
2 25
5 II
645
5 7
649
I 55
3 22
5 10
646
5 6
650
218
417
5 9
647
5 4
651
2 40
4 57
5 8
648
5 3
6 52
259
542
5 t,
649
5 2
653
321
6 23
S 5
6 50
5 0
b.SS
338
7 3
5 4
6 SI
H. M.
4 55
5 15
sets
832
9 35
10 •
"38
morn
33
1 23
2 8
2 42
3 14
3 43
4 9
4 39
rises
854
10 06
11 II
mom
5
2 39
2 59
3 21
340
Moon's Phases.
D.
New Moon,
2
First Quarter,
10
Full Moon,
17
Last Quarter,
24
Boston.
H. M.
4 30 Evening.
10 II Morning.
I 13 Morning.
3 49 Morning.
New- YORK.
H. M.
4 18 Evening.
9 59 Morning,
I I Morning.
3 37 Evening.
Washington.
H. M.
4 6 Evening.
9 47 Morning,
o 49 Morning.
3 25 Evening.
Charleston.
Sun at Noon Mark.
H. M.
D.
H.
M.
s.
3 54 Evening.
1
12
3
52
9 35 Morning.
9
12
1
33
0 37 Morning.
17
II
59
29
3 13 Evening.
25
II
57
50
m m as
11
The Return of the Swallows.
<See Page 28.)
^rAHE worst slander has in it some trutli, from
1 which we may learn a lesson which may
make us wiser when the first smart is passed.
— ^. IV. Robertson.
''pHE 1
J. or :
'^I^HE force, the mass of character, mind, heart,
soul, that a man can put into any work,
is the most important factor in that work.
— Rev. Dr. A. P. Pcabodv.
12
^M31 WM'M^1T®MM M'^WIMMM®,
DURING the month of May, 1877, the New-
York Life Insurance Company paid
insurance pohcies on the hves of thirty-seven per-
sons. The whole amount paid was $90,404.36.
The whole amount that had been paid to the
Company by the holders of these policies,
in premiums, less dividends, was $30,238.32.
The gain to the families of the deceased was
$60,166.04. Thus they received back all the
money the policies cost, together with 199 per
cent, interest on the same.
FORBE,\RANCE is the key-note of married life.
There can be no great discord, there can be
no large divergences from tunefulness, so long
as the husband forbears and the wife forbears.
Now, this cannot be attained without some labor.
Results are approached gradually in character.
as they are in making a sand-hill. It is grain
upon grain, shovelful upon shovelful, and load
upon load, that causes the mound to rise. So
results of character come gradually. An act
at this time, a deed yesterday, a word this
morning, a cross answer to-day, repeated a
month hence, and so on, till at last you find
there is a ridge between you and your wife's or
husband's affection. — T/ie Golden Rule.
EVERY life requires some intervals of perfect
privacy. Friendship may delight, and duty
never cease her calls ; yet the whole world must
occasionally be shut out, while the soul turns
solemnly upon itself and its eternal destiny. The
friendship, or the supposed duty that prevents
such introspection, is a fatal snare.
— National Baptist.
JTifti) JWontf).
4-
11 i
-I-
jrfjirtg.-onr Dans.
X
|i
h
2
0
>-
s
a.
u.
u.
0
0
>
>
>•
<
<
<
(4
Q
0
121
I
Wed
122
2
Thur
123
3
Fri
124
4
Sat
125
S
.s
126
6
Mon
127
7
Tues
128
8
Wed
129
P
Thur
130
10
Fri
131
II
Sat
132
12
#
133
13
Mon
134
14
Tues
I3,S
IS
Wed
136
16
Thur
137
17
Fri
138
18
Sat
139
19
s
140
20
Mon
141
21
Tues
142
22
Wed
143
23
Thur
144
24
Fri
145
2S
Sat
146
26
.S
147
27
Mon
148
28
Tues
149
29
Wed I
ISO
30
Thur
151
31
Fri
RISING, SETTING, AND
SOUTHING OF STARS, POSITION
OF Planets and of the
Moon, &c., &c.
Venus, greatest elong. west.
Moon highest.
Moon near Aldebaran.
Venus in Pisces.
Jupiter in merid. sh. 43m. mo.
Moon near Mars.
Venus near Saturn.
Vega rises, 6h. 30m. eve.
Altair rises, izh. om. eve.
Moon near Regulus.
Mars in (iemini.
Jupiter in merid. sh. 17m. mo.
Moon perigee. Tide highest.
Algerieb rises, ih. 48m. morn.
Seven Stars rise, 4h. 39m. mo.
Moon near Antares
Procyon sets, loh. gm. eve.
Moon lowest.
Jupiter in Capricornus.
Mars nearest Sinus.
Moon near Jupiter.
Sinus sets, 7h. 38m. eve.
Jupiter in merid. 4h. ^sm. mo.
(25) Moon apogee. Low tide.
Jupiter stationary.
Moon near Saturn.
Saturn in Pisces.
Moon near Venus.
Moon highest.
Day's length, i4h. 51m.
Moon near Aldebaran.
Calendar for
BOSTON, N.V. State, New
England, Wisconsin,
Michigan, Iowa,
AND Oregon.
Moon H. W.
Rises. Sets. Rises. Boston
4 56
4 54
4 53
4 52
451
4 49
448
4 47
4 46
4 44
4 43
442
441
440
4 39
438
4 37
4 36
4 35
4 34
4 33
4 32
4 31
431
4 30
4 29
4 29
4 28
4 27
427
4 26
H. M.
7 °
7 I
7 2
7 3
7 4
7 5
7 6
7 7
7 8
7 9
7 10
711
7 12
713
714
7 IS
7 16
717
7 18
7 19
7 20
7 21
7 22
723
724
7 25
7 26
7 27
7 28
7 28
729
H. M.
4 2
4 30
sets
946
1043
" 34
morn
16
50
I 28
1 47
2 12
2 35
3 I
3 32
rises
956
10 53
11 30
12 o
morn
24
44
I 4
I 22
1 43
2 5
2 33
3 I
3 39
H. M.
1057
" 37
morn
18
I 4
1 54
24s
3 37
4 34
5 33
636
7 36
831
925
10 19
11 II
12 o
ev.52
143
2 33
3 22
4 8
4 47
546
6 31
7 20
8 9
856
942
10 29
11 17
CALENDAR FOR
N.Y. City, Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana;\nd
Illinois.
4 59
458
4 56
4 55
4 54
4 53
4 52
451
4 49
448
4 47
446
4 45
4 44
4 43
442
441
4 40
4 39
4 39
438
4 37
4 36
436
4 35
4 34
4 34
4 33
432
4 32
4 31
h. m.
656
657
658
6 59
7 o
7 I
7 2
7 3
7 4
7 5
7 6
7 7
7 8
7 9
7 10
7 "
7 12
713
7 14
7 15
7 16
7 17
7 18
7 19
7 20
7 20
7 21
7 22
723
723
7 24
Moon
H.W.
Rises.
N.Y.
H. M.
H.M.
4 6
740
4 34
8 19
sets
9 4
9 39
950
10 36
1038
II 27
II 27
morn
morn
II
23
4b
I 21
I 24
z 19
I 46
322
2 12
4 21
2 36
516
3 4
611
33b
7 5
nses
7 53
8.Sq
845
9 49
938
1047
10 27
II 25
II 15
II 56
ev. 7
mom
55
21
144
42
2 32
I 4
3 17
I 23
4 5
145
4 53
2 8
541
237
628
3 0
7 14
3 45
7 59
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
H. M.
5 2
5 I
5 o
4 59
458
4 57
4 55
4 54
4 53
4 52
451
4 50
4 49
4 49
448
4 47
4 46
4 45
4 44
4 43
4 43
442
4 41
441
440
4 39
4 39
438
438
4 37
4 37
Sun
Sets.
H. M.
6 52
6.53
654
6S5
656
6 57
658
659
7 0
7 I
7 2
7 2
7 3
7 4
7 5
7 f
7 7
7 8
7 9
7 10
710
711
7 12
713
714
714
7 15
716
7 17
717
718
H. M
4 9
4 39
sets
9 32
10 29
11 21
morn
5
42
I zo
1 44
2 12
2 37
3 7
340
rises
8 52
942
10 41
11 20
II 52
morn
18
40
I 3
1 23
147
2 II
2 42
3 12
3 52
Moon's Phases.
New Moon,
First Quarter, I
Full Moon, I
Last Quarter,
New Moon, I
8 6 Morning.
5 48 Evening.
9 47 Morning.
8 58 Evening.
9 4 Evening.
New-York.
Washington.
H. M.
7 54 Morning.
5 36 Evening.
9 35 Morning.
8 46 Evening.
8 52 Evening.
H. M.
7 42 Morning.
5 24 Evening.
9 23 Morning.
8 34 Evening.
8 40 Evening.
Charleston.
H. M.
7 30 Morning.
5 12 Evening.
9 II Morning.
8 22 Evening.
8 28 Evening.
SUN AT Noon Mark.
+
Mladows Trim with Daisies Pied "
(Slc l*lv,i.29 )
MONTH of bees and month of flowers,
Month of blossom-larfen bowers :
Month of little hnnris with daisies,
Lovers' love and poets' praises ;
O thou merry month complete,
Mav, the very name is sweei.—Lei^/i Huul.
;
.1
;
14 Tmm mm^^'w®mm mmKmifm©,
yxuRiNG the month of June, 1877, the New-
A HOME with flowers and vines growing about
±J York Life Insurance Company paid
l\. it, and neatly furnished and kept within ; a
insurance policies on the hves of forty-one per-
husband temperate in habit and virtuous in
sons. The whole amount paid was $148,014.
heart and life ; a wife discreet, chaste, good, and
The whole amount that had been paid to
a home-keeper; children hearty, cheerful and
the Company by the holders of these policies,
obedient ; the home half paid for, and the
in premiums, less dividends, was $49,188.71.
remainder payable in small installments ; the
The gain to the families of the deceased was
husband earning fair wages, supporting his
$98,825.29. Thus they received back all the
family, paying the premiums on a life policy
money the policies cost, together with 200 per
large enough to cover his indebtedness, and
cent, interest on the same.
saving a little besides ; — that is what we call
y EAVES are light, and useless, and idle, and
having things SNUG.
jLv wavering, and changeable; they even dance;
/^>HARLES one night called upon his intended.
yet God has made them part of the oak. In so
V^ kissed her affectionately, saying as he did so.
doing, he has given us a lesson not to deny the |
"Why is that (the kiss) like a rumor?" —
stout-heartedness within because we see the light- 1
" Because it goes from mouth to mouth." And
someness without. — y. C. Hart
thereupon set another rumor going.
^.tft^cnt,. ^ Jill,
>•
h
Z.
0
i
RISING, Setting, and
Calen
BOSTON, N.'i
England,
MICHIG
3AR FOR
'. State, New
wisconsin,
4.N, Iowa,
Calendar for
N. Y. City, Philadelphia,
NEW Jersey, Pennsyl-
vania, Connecticut,
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
fc
Southing of Stars, Position
Ohio, Indiana and
Missouri and
0
0
0
OF Planets and of the
and GK-iiijvjit.
Illinois.
California.
<
Q
>
<
>•
<
Moon, &c., &c.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
Rises.
Sets.
Sets.
Boston
Rises.
Sets.
Sets.
N.Y.
Rises.
Sets.
Sets.
H. M.
H. M.
H. M.
H. M.
H. M.
H. M.
H. M.
H.M.
H. M.
n. M.
H. M.
152
I
Sat
Mercury, greatest elong west.
42s
730
sets
morn
431
724
sets
849
436
7 19
sets
153
2
.S
Venus in Pisces.
425
730
929
4
4 30
725
923
938
4 36
7 19
916
154
3
Mon
Moon near Mars.
4 25
731
10 15
52
4 30
7 26
10 10
10 26
436
7 20
10 04
iSS
4
Tues
Seven Stars rise, ^h. 20m. mo.
4 24
732
10 S3
I 32
4 30
7 26
10 48
II 16
4 35
721
1044
156
5
Wed
Jupiter in mend. 3h. 4301. mo.
4 24
732
11 24
2 32
429
727
II 21
morn
4 35
721
II 18
157
6
Thur
Moon near Regulus.
424
7 33
II 51
3 22
4 29
7 28
II 49
7
4 35
7 22
II 47
158
7
Fri
Mars near Castor and Pollux.
423
7 33
morn
411
4 29
7 28
morn
S8
4 34
723
mom
159
8
Sat
Mars in Gemini.
423
7 34
15
5 7
4 29
729
15
153
4 34
723
14
160
9
-S
Moon perigee. Tide highest.
4 23
7 35
39
6 4
428
730
40
2 50
4 34
7 24
40
161
10
Mon
Moon in mend. 8h. 22m. eve.
423
736
I 3
7 3
4 28
7 3°
I 5
343
4 34
724
I 8
162
II
Tues
Moon lowest.
4 22
736
I 31
8 2
428
731
135
4 47
4 34
725
138
163
12
Wed
Aldebaran rises, 4h. gm. morn.
422
7 37
2 4
9 4
4 28
731
2 9
5 49
4 34
725
2 14
164
13
Thur
Jupiter in merid. 3h. iim. mo.
4 22
7 37
242
10 I
4 28
732
248
647
4 34
7 26
2 55
165
14
Fri-
Day's length, ish. 4m.
4 22
738
rises
1057
4 28
732
rises
7 4°
4 34
7 26
rises
166
15
Sat
Capella rises, ih. 21m. morn.
4 22
738
844
II 48
4 28
732
838
831
4 34
7 26
831
167
16
s
Jupiter in Capricornus.
4 22
738
9 26
ev.36
4 28
7 33
9 20
922
4 34
727
9 14
168
17
Mon
Rigel rises, 3h ssm. morn.
4 22
7 39
9 59
I 24
4 28
7 33
9 54
10 10
4 34
727
9 5°
169
18
Tues
Moon near Jupiter.
4 22
7 39
10 25
2 7
4 28
7 33
10 22
1049
4 34
728
10 18
170
19
Wed
Procyon sets, 7h. 59m. eve.
4 22
7 39
1048
247
428
7 34
10 46
II 31
4 34
728
1044
171
20
Thur
Saturn in Pisces.
423
740
II 7
329
429
7 34
II 6
ev. 14
4 34
728
II 5
172
21
Fri
Sun enters ^ Summer begins
1 423
740
II 25
4 8
429
7 34
II 25
55
4 34
728
II 25
173
22
Sat
Moon near Saturn.
1 423
740
II 45
452
4 29
7 34
II 46
I 39
4 35
728
II 48
174
23
;a
(22) Moon apogee. Tide low.
423
7 4°
morn
5 37
4 29
7 34
morn
2 23
4 35
729
mom
17s
24
Mon
Saturn west, quad. Sun.
4 23
740
6
6 27
429
7 35
9
3 13
4 35
729
11
176
25
Tues
Moon highest.
4 24
741
3°
721
4 3°
7 35
34
4 6
4 35
7 29
38
177
26
Wed
Moon near Aldebaran.
424
741
58
8 16
4 3°
7 35
I 3
5 7
436
729
1 8
178
27
Thur
Moon near Venus.
424
741
I 34
9 12
430
7 35
I 40
558
436
729
146
179
28
Fri
Moon near Rigel.
425
740
2 18
10 7
4 29
7 35
2 24
653
4 37
729
231
180
29
Sat
Uranus in Leo.
425
740
3 10
II 2
429
7 35
3 17
7 45
4 37
729
3 24
181
30
s
Jupiter in merid. ih. 58m. mo
4 26
740
sets
II 52
4 29
7 35
sets
835
I 4 37
7 29
sets
MOON'S
; Phases.
BOSTON.
N EW-YORK.
Washington.
Charleston.
SUN at Noon Mark.
1
D.
H. M.
H. M.
H. M.
H. M.
D.
H. M. S.
First Quarter,!
7
11 II Evening.
10 59 Evening.
10 47 Evening.
10 35 Evening.
I
II 57 35
Full Moon,
14
7 7 Evening.
6 55 Evening.
6 43 Evening.
6 31 Evening.
9
II 58 59
Last Quarter,
22
2 31 Evening.
2 19 Evening.
2 7 Evening.
I 55 Evening.
'7
12 0 38
New Moon, |
30
7 47 Morning.
7 35 Morning.
7 23 Morning.
7 11 Morning. I
25
12 2 21
*1
[
'J
^
^MS MSM'^^®MM m^M^M^©,
15
How Sweet You Are."
(See Pago 29.)
l\ lovest what is lovelv. — William Penn.
m
f folly. — Aristotle.
16
^MM m;
DURING the month of July, 1877, the New-
YoRK Life Insurance Company paid
insurance policies on the lives of thirty-four per-
sons. The whole amount paid was $106,076.
The whole amount that had been paid to the
Company by the holders of these policies, in pre-
miums, less dividends, was $34,132.05. The gain
to the famihes of the deceased was $71,943.95.
Thus they received back all the money the poli-
cies cost, together with 210 per cent, interest
on the same.
IN marrying make your own match ; do not
marry a man to get rid of him, or to oblige
him, or to save him. The man who would go
to destruction without you will quite as likely go
with you, and perhaps drag you along. Do not
marry in haste, lest you repent at leisure. Do
not marry ftjr a home and a living. Do not let
aunts, fathers or mothers sell you for money or
position into bondage, tears and life-long misery,
which you must endure. Place not yourself
habitually in the hands of any suitor until you
have decided the question of marriage ; human
wills are weak, and people often become bewil-
dered and do not know their error until it is too
late. Get away from their influence, settle your
head, and make up your mind alone. Remember
that in nine cases out of ten you choose for a
life-time — one might almost say for eternity. Do
not trust your happiness in the keeping of one
who has no heart, no head, no health. Shun the
man who ever gets into.xicated. Do not rush
thoughtlessly, hastily, into wedded life, contrary
to the counsel of friends. Love can wait ; that
which cannot wait is of a very different character.
Scbrnti) fHoiitl).
-f
4.
i!ri)irt!j--onc Saijs.
X
h
<l
III
>•
S
a.
fc
0
0
>•
>■
<
<
o
a
182
I
183
2
184
s
I8S
4
1 86
■;
187
6
188
7
189
8
190
9
191
10
192
II
193
12
194
13
").■;
14
196
15
197
16
198
17
199
18
200
19
201
20
202
21
203
22
204
?3
205
24-,
206
25
207
26
Z08
27
209
28
210
29
211
30
212
31
Mon
Tues
Wed
Thur
Fri
Sat
s
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
JS
Mon
Tues
Wed
Thur
Fri
Sat
;S
Men
Tues
Wed
rising, setting, and
southing of stars, position
of planets and of the
Moon, &c., &c.
Moon near Castor and Pollux.
Moon near Mars.
Moon near Regulus.
Moon perigee. Tide highest.
Regulus sets gh. 50m. eve.
Venus in Gemini.
Jupiter in merid. ih. 27m. mo.
Venus near Aldebaran.
Moon lowest.
Moon near Antares.
Moon in merid. loh. im. eve.
Day's length, i4h. 52m.
Mars in Cancer.
Saturn stationary.
Moon near Jupiter.
Venus near Rigel.
Jupiter in merid. oh. 43m. mo.
Pollux rises 4h. 2m. morn.
(20) Moon apogee. Lovf tide.
Monn near Saturn.
Jupiter in Capricornus.
Seven Stars rise, oh. iim. mo.
Moon highest.
Moon near Aldebaran.
Jupiter 180° from Sun.
Saturn in Pisces.
Moon near Venus.
Jupiter in merid. iih. 50m. ev.
Eclipse of Sun, visible.
Moon near Mars.
Saturn in merid. 3h. 38m. mo.
Calendar for
BOSTON, N.Y. State. New
England, Wisconsin,
MICHIGAN, Iowa,
and Oregon.
H. M.
4 26
4 26
4 27
428
429
4 '9
4 30
4 30
431
4 32
4 33
4 33
4 34
4 35
4 36
4 37
4 37
438
4 39
4 40
4 41
4 42
4 43
4 44
4 4.S
; 446
' 4 47
1 448
I 4 49
4 50
4 51
Sun
Moon
Sets.
Sets.
H. M.
H. M.
740.
851
7 4°
9 25
7 4°
9 54
7 4°
10 19
7 39
1044
7 39
II 7
7 39
" 33
738
morn
738
2
738
39
7 37
I 27
7 37
2 22
736
325
736
rises
7 35
827
7 34
850
7 34
911
7 33
930
732
9 49
731
10 9
730
10 32
7 30
10 58
7 29
II 29
7 28
morn
727
8
726
.58
' 7 25
I St.
, 7 24
3 b
7 23
4 21
7 22
sets
7 21
8 18
H. M.
morn
39
1 27
2 14
2 59
346
4 37
5 34
638
7 43
8 50
9 50
10 46
11 32
ev.i6
57
135
2 II
2 46
3 24
4 3
4 50
5 43
5 41
7 43
849
9 49
10 46
11 36
morn
Calendar for
N.Y. City, Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
Sun
Rises. Sets. Sets. N.Y.
4 32
4 32
4 33
4 33
4 34
4 35
4 35
4 36
4 37
4 37
438
4 39
4 39
440
441
4 42
4 43
4 44
4 44
4 45
446
4 47
448
448
4 49
4 50
4 51
452
4 53
4 54
4 55
Sun
H. M.
7 35
7 35
7 34
7 34
7 34
7 34
7 33
7 33
7 33
7 32
7 32
731
731
7 30
7 3°
7 29
7 29
7 28
7 27
7 26
7 26
7 25
7 24
7 23
7 23
7 22
7 21
7 20
7 19
7 18
7 17
Moon H.W
H. M.
846
9 21
951
10 i8
1045
11 9
II 37
morn
7
45
1 34
2 29
3 31
rises
8 24
848
9 10
9 30
9 5°
10 II
1035
11 2
II 34
morn
14
1 S
2 3
3 12
4 26
sets
8 16
h.m.
9 25
10 12
10 56
11 43
morn
32
1 24
2 20
3 24
4 28
5 35
636
7 3°
8 14
9 2
9 43
10 20
10 S3
11 30
ev. 9
50
1 37
2 29
•5 27
4 28
5 34
63s
7 30
817
9 7
9 52
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
Sun
Sun
Rises.
Sets.
H. M.
H. M.
438
729
438
729
4 39
729
4 39
7 28
4 40
7 28
4 41
7 28
441
728
442
7 27
442
727
4 43
727
4 44
7 26
4 44
7 26
4 45
7 26
4 46
7 25
446
7 24
4 47
7 44
448
723
4 49
7 23
4 50
7 22
4 SI
721
452
7 21
4 52
720
4 53
7 19
4 54
718
4 55
718
4 56
7 17
4 57
710
458
7 IS
458
7 14
4 59
7 13
4 59
7 12
4
Moon's Phases.
First Quarter,
Full Moon,
Last Quarter,
New Moon,
Boston.
H. M.
3 36 Morning.
6 II Morning.
7 32 Morning.
4 56 Evening.
New-York.
H. M.
3 24 Morning.
S 59 Morning.
7 20 Morning.
4 44 Evening.
Washington.
H. M.
3 12 Morning.
5 47 Morning.
7 8 Morning.
4 32 Evening.
Charleston.
H. M.
3 o Morning.
5 35 Morning.
6 56 Morning.
4 20 Evening.
Sun at Noon mark.
18
TiTM mm'M^w^MM. M^m&'jMMsj.
It^&VTLK your life in a tried and proved company.
The theory of life insurance is that it is able
to convert the probability of long life and a little
money into a large sum of money in case of
early death. Does it do it? Let the history of
the New-York Life answer for that company.
During the first thirty-two years of its existence
it paid death-claims to the amount of over $15,700,-
000. During the year 1876 it thus paid over
$1,500,000 on policies which cost their owners
less than $500,000.
EVERY man takes care that his neighbor shall
not cheat him. But a day comes when he
begins to care that he do not cheat his neigh-
bor. Then all goes well. He has changed
his market cart into a chariot of the sun.
— Emerson.
HAPPINESS between husband and wife can
only be secured by that constant tenderness
and care of the parties for each other which are
based upon warm and demonstrative love. The
heart demands that the man shall not sit reticent,
self-absorbed and silent, in the midst of his
family. The woman who forgets to provide for
her husband's tastes and wishes, renders her
home undesirable for him. In a word, ever
present and ever demonstrative gentleness must
reign, or else the heart starves.
" ~\ rou see," said Uncle Job, "my wife is a
X cur'ous woman. She scrimped and saved
and almost starved all of us to get the parlor
furnished nice ; and now she wont let one of us
go into it, and haint even had the window-blinds
of it open for a month. She is a cur'ous woman."
55fbcntf; iHontf).
^
4-
5rf)irtn=one Sans.
K
(-
'.i
2
0
>•
S
^
ll.
II.
t.
0
0
0
>•
>•
>•
<
<
0
P
q
21^
I
Thur
214
2
Fri
21';
3
Sat
216
4
:S
217
■;
Mon 1
218
6
Tues
2ig
7
Wed i
220
8
Thur
221
Q
Fri
222
10
Sat
223
II
•S
224
12
Mon
225
13
Tues
226
14
Wed
227
IS
Thur
228
16
Fri
22q
17
Sat
230
iS
s
211
iQ
Mon
2^2
20
Tues
27,^
21
Wed
2S4
22
Thur
2^S
23
Fri
236
24
Sat
237
25
S
238
26
Mon
239
27
Tues
240
2a
Wed
241
2Q
Thur
242
30
Fri
243
31
Sat
Rising, Setting, and
Southing of Stars, Position
OF Planets and of the
Moon, &c., &c.
Moon perigee. Tide highest.
Jupiter in mend. iih. 27m. ev.
Venus nearest Sirius.
Moon lowest.
Venus in Gemini.
Moon near Antares.
Mars near Regulus.
Saturn in merid. 3h. 6m. morn
Moon in merid. gh. 48m. eve.
Jupiter in merid. loh. 52m. ev.
Moon near Jupiter.
Eclipse of Moon, partly visible
Mercury, greatest elong. east.
Venus nr Cast. Pol. & Prnc'n.
(16) Moon apogee. Tide low.
Moon near Saturn.
Day's length, i3h. 43m.
Jupiter in Sagittarius.
Moon highest.
Rigel rises, jh- 45m. morn.
Jupiter in merid. loh. 4m. eve.
Moon near Kigel.
Saturn in merid. 2h. 4m. mom
Moon near Castor and Pollux.
Saturn in Pisces.
Moon near Venus.
Moon near Regulus.
Moon near Mars.
Moon perigee. Tide highest.
Regulus sets, 8h. 12m. eve.
Jupiter in merid. gh. 21m. eve.
Calendar for
Boston, N.Y. State.New
England, Wisconsin,
Michigan, Iowa,
and Oregon.
Sun Sun Moon H. W.
Rises. Sets. Sets. Boston
H. M.
452
4 53
4 54
4 55
4 56
4 57
453
4 59
5 o
5 I
5 2
5 3
5 4
5 5
5 6
5 7
5 8
5 10
5 II
5 12
5 13
5 14
5 15
516
5 17
518
5 19
5 20
5 21
5 22
5 23
H. M.
7 20
7 18
7 17
7 16
7 15
7 14
7 12
7 II
7 10
7 8
7 7
7 6
7 4
7 3
7 I
7 o
658
6 57
655
6 54
6 52
651
649
648
646
644
643
6 41
6 39
638
636
K. M.
846
9 II
9 37
10 7
10 42
11 26
morn
16
1 IS
2 22
5 30
nses
7 16
7 35
7 54
813
834
859
9 27
10 3
1045
11 40
morn
43
I 55
3 10
4 41
sets
7 12
738
H. M.
I 6
1 50
2 34
3 22
4 13
5 14
6 22
7 33
8 40
9 37
10 27
11 II
II 49
ev.23
59
1 32
2 7
245
325
4 II
5 8
6 lo
7 20
8 27
929
10 24
11 13
II 58
morn
Calendar for
N.Y. City, Philadelphia,
New Jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
Sun
Sun
Moon
Rises.
Sets.
Sets.
H. M.
H. M.
H. M.
456
7 16
846
4 57
714
9 12
458
713
9 4°
4 59
7 12
10 II
5 0
711
1048
5 I
7 10
II 32
5 2
7 9
morn
5 3
7 7
23
5 4
7 f
I 22
5 5
7 5
2 28
5 b
7 4
3 35
5 7
7 2
rises
5 8
7 I
7 14
5 9
7 0
7 35
S 10
658
7 54
5 II
b57
815
5 12
t>55
8,37
5 13
0 54
9 2
5 14
t.S3
932
5 15
t)5i
10 9
S16
6 50
10 52
5 17
648
II 47
5 17
647
morn
518
64s
49
5 19
644
2 I
5 20
042
3 14
5 21
041
4 43
5 22
639
sets
5 23
6 37
713
5 24
6 36
740
5 25
634
8 II
H.M.
1034
II i5
morn
7
1 o
2 o
3 9
4 18
525
626
7 12
7 53
8 32
9 10
9 45
10 17
1049
11 27
ev.io
58
1 54
2 56
4 5
5 12
615
7 10
7 55
8 41
926
10 12
1054
Calendar for
Washington,
Maryland, Ken-
TLicKY, Virginia,
Missouri and
California.
Sun
Sun
Rises.
Sets.
H. M.
h. M.
5 0
7 II
5 I
7 10
S 2
7 9
5 3
7 8
5 4
7 7
5 5
7 6
5 b
7 5
5 6
7 4
5 7
7 2
5 8
7 I
5 9
7 0
510
659
5 II
658
5 12
656
5 13
0 54
5 14
t>53
5 15
6 52
SI&
651
5 17
6 50
5 17
648
S18
647
5 19
645
5 20
644
521
043
5 22
6 41
523
6 40
524
638
5 25
0 37
5 26
b3S
5 26
634
5 27
b32
H. M.
846
9 14
9 43
10 16
1053
11 39
morn
3°
1 28
2 34
340
rises
7 12
7 34
7 55
8 16
840
9 7
938
10 15
1058
11 54
morn
56
2 6
3 19
4 46
sets
7 14
743
8 IS
I
Moon's Phases.
First Quarter,
Full Moon,
Last Quarter,
New Moon,
8 35 Morning.
7 32 Evening.
11 24 Evening.
I 15 Morning.
New- York.
H. M.
8 23 Morning.
7 20 Evening.
II 12 Evening.
I 3 Morning.
Washington.
8 II Morning.
7 8 Evening.
II o Evening.
o 51 Morning.
Charleston.
7 sg Morning.
6 54 Evening.
10 48 Evening,
o 3g Morning.
SUN at Noon Mark.
"SHt Caiieu Me Pkltty — Am
(See Pa^e 29.)
MANY of US have to lament, not so much ;l
want of opportunities in life, as our un-
readiness for them as they come ; and " it might
have been " is oftener the language of our hearts
than complaining words. God sends us "flax,"
but our "spindle and distaff" are out of repair.
•1
20 Tmm mm^m^wmmm m^iMmwm©*
/^^LERKS ought to have their lives insured, -rpvUkiNG the month of September, 1877, the
\^ because, hving on their salaries, accumula- jy New-York Life Insurance Company
tions are necessarily slow. If they have families paid insurance policies on the lives of thirty-eight
to support, they themselves know how hard it is persons. The wholeamountpaidwas $137,371.41.
to live comfortable and lay up a little each year. The whole amount that had been paid to the
Perhaps they will say they cannot spare enough Company by the holders of these policies was
from their salaries to pay the premium on a life $38,981.62. The gain to the famihes of the
policy. If they think so, let them reflect how deceased was $98,389.79. Thus they received
difficult it would be for their families to maintain back all the money the policies cost, together
themselves without their salaries ! One's own with 252 per cent, interest on the same.
death is not a pleasant subject to contemplate.
T^EAR not that which cannot be avoided. It is
but the only way to deprive the thought of its
1 extreme folly to make yourself miserable
^ F F ■ before your time, or to fear that which, it may
A N Irishman complained to his physician that be, will never come; or, if it does, may possibly
^ /^ he stuffed him so much with drugs that he be converted into your felicity. For it often falls
was sick a long time after he got well. "Many out, that that which we most feared, when it
a truth is told in jest." comes, brings much happiness with it.
K,„,„iBc,„„. ^ !??'f?lIMS 4§?8 ^ St,ut„Da„s.
0!
a
h
Z
0
•
RISING, Setting, and
Calendar for '
boston, N.Y. State, New-
England, Wisconsin,
Michigan, Iowa,
AND Oregon.
Calendar for
N. Y. City, Philadelphia,
New jersey, Pennsyl-
vania, Connecticut,
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
[:,
[!•
Southing of Stars, Position
Ohio, Indiana and
Missouri and
0
0
0
OF Planets and of the
Illinois.
CALIFORiNIA.
<
Q
>•
<
Moon, &c., &-c.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
Rises.
Sets.
Sets.
Boston
Rises.
Sets.
Sets.
N.Y.
Rises.
Sets.
Sets.
H. M.
H. M.
H. M.
H. M.
H. M.
H. M.
H. M.
H.M.
H. M.
H. M.
H. M.
244
I
;S
Moon lowest.
s 24
635
841
2 12
526
633
846
II 46
528
631
851
245
2
Mon
Venus in Cancer.
5 26
633
9 23
3 I
5 27
631
929
morn
5 29
6 29
9 35
246
3
Tues
Moon near Antares.
5 27
631
10 12
358
528
629
10 19
44
5 3°
628
10 26
247
4
Wed
Jupiter in mend. gh. 4m. eve.
528
629
II 10
5 I
529
628
II 17
148
531
626
11 24
248
5
Thur
Sinus rises, sh. 41m. morn.
529
628
morn
6 10
5 30
626
morn
2 56
5 32
6 25
morn
249
6
Fri
Saturn in mend. ih. 6m. morn
5 30
626
14
719
5 31
625
20
4 4
5 33
623
26
250
7
Sat
Moon near Jupiter
5 31
6 24
I 22
8 20
5 32
623
I 27
5 4
5 34
622
I 32
251
8
Ss
Mars in Leo.
5 32
6 22
2 28
9 14
5 33
6 21
2 32
6 0
5 35
6 21
236
252
9
Mon
Moon in merid. loh. 53m. eve.
5 33
621
3 33
9 59
5 34
6 20
336
645
5 35
6 20
3 39
253
10
Tues
Day's length, i2h. 42m.
5 34
6 19
4 35
10 40
5 35
618
4 37
724
536
6 18
4 39
254
II
Wed
; Venus near Regulus.
5 35
617
nses
II 17
536
616
rises
7 59
5 37
617
nses
25s
12
Thur
Moon near Saturn.
536
615
6 30
II 49
5 37
6 IS
631
832
538
615
6 32
256
13
Fri
Moon apogee, low tide.
5 37
O14
6 40
ev.2i
538
613
643
9 8
5 39
614
645
257
14
Sat
Jupiter in Capricornus.
538
612
7 4
57
5 39
611
7 7
9 43
5 40
612
711
258
15
jS
Moon highest.
5 39
6 10
729
I 34
540
6 9
7 34
10 19
5 41
6 10
738
259
16
Mon
Jupiter in merid 8h. 15m. eve.
5 40
6 8
8 I
2 13
541
6 8
8 6
1055
5 42
6 9
8 12
260
17
Tues
Moon near Aldebaran.
5 41
6 7
841
2 56
5 42
6 6
848
II 40
5 43
6 7
854
261
18
Wed
Saturn in merid. oh. iim. mo
5 43
6 5
930
3 46
5 43
6 4
9 37
ev.32
5 44
6 6
9 43
262
19
Thur
Regulus rises, sh. 25m. morn.
5 44
6 3
10 27
4 43
5 44
6 3
1034
I 30
5 44
6 4
10 40
263
20
FrL
Saturn in Pisces. [22
5 45
6 I
II 33
548
5 +5
6 I
II 39
2 34
545
6 2
" 45
264
21
Sat
Sun enters ^ Autumn begms
5 46
6 0
morn
657
5 46
5 59
morn
342
5 46
6 I
morn
265
22
;S
Saturn 180° from Sun.
5 47
558
44
8 0
5 47
558
49
4 45
5 47
5 59
54
266
23
Mon
Jupiter stationary.
548
556
2 0
9 2
548
556
2 3
5 47
548
558
2 7
267
24
Tues
(25) Mercury, gr. elnn. west.
5 49
5 54
316
9 56
5 49
5 54
3 19
6 42
5 49
556
3 21
268
25
Wed
Moon near Venus.
5 50
5 53
4 34
10 46
5 50
5 53
4 35
730
s 50
5 54
4 35
269
26
Thur
Moon near Mars.
551
5 51
5 53
II 31
s 51
5 52
5 52
814
5'5i
5 53
5 51
270
27
Fii
(26) Moon perigee, tide hig'st.
552
5 49
sets
mom
5 52
5 50
sets
9 I
5 52
5 51
sets
271
28
Sat
Moon lowest.
5 53
5 47
638
15
5 53
548
6 42
9 49
5 53
5 50
647
272
29
;S
Betelguese rises, loh. 47m. eve.
5 54
5 46
7 17
I 3
5 54
5 46
7 22
1037
5 54
548
728
273
30
Mon
Uranus in Leo.
556
5 44
8 5
I 55
5 54
5 44
8 II
II 32
5 55
5 46
8 18
Moon's Phases.
Boston.
New-York.
Washington.
Charleston.
SUN AT NOON MARK.
D.
H. M.
H. M.
H. M.
H. M.
D.
H. M. S.
First Quarter,
3
3 42 Evening.
3 30 Evening.
3 18 Evening.
3 6 Evening.
I
II 59 49
Full Moon,
II
II 5 Morning.
10 53 Morning.
10 41 Morning.
10 29 Morning. 9
II 57 10
Last Quarter,
19
I 46 Evening.
I 34 Evening.
I 22 Evening.
I 10 Evening. 1 17
II 54 22
New Moon,
26
9 .6 Morning.
9 14 Morning.
9 2 Morning. 1
8 50 Morning. 1 25
II 51 35
►^
'
J
7^
>
T3HM 'M'M'W'^'W'BMM
21
Dreams and Fancies
(See Page 30.)
KING sometimes asunder heightens friendship.
rr^p
HERE is a gift that is almost a blow, and
13 The greatest cause of the frequent quarrels 1 there is a kind word that is munificence;
between relations, is their being so much to- so much is there in the way of doing things,
jrether. ' -Arthur Helps.
22
H ^ M J^
THE man who refuses to insure his hfe, saying
he will take the risk and the consequences,
and then dies and leaves his family in want, does
fiot deny himself, but indulges himself; and when
he dies, the burden falls, tiot upon him, but, where
most burderis eventually fall, upon the weak and the
inexperienced.
THE Japanese have a curious legend of a
stone-cutter, who became discontented with
his lot in life. He first expressed the very com-
mon wish, "Oh that I were rich!" This being
granted by the gods, he next wished to become
a king, so that he might have power. In this
station he still found a source of discontent ; so,
after many changes, he wished to become a rock,
which even the floods could not move ; this being
granted, he for a time enjoyed his newly acquired
power, for neither the burning sun. rushing wind,
nor roaring flood had power to move him. But
one day a man with a sharp chisel and heavy
hammer came along, and began to cut stones
out of the rock, and the rock said, " What is
this that has power over me, and can cut stones
out of my bosom ? I am weaker than he ; I
should like to be that man ! " And there came
an angel out of heaven who said, "Be this you
have said," and the rock became a stone-cutter;
and he cut stones with hard labor for small
wages, and was contented.
AN Iowa paper tells of a smart wife who
helped her husband to raise seventy acres
of wheat. The way she helped him was to stand
in the door and shake a broom at him when lie
sat down to rest.
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286
13
287
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289
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290
17
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18
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19
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24
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300
27
301
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303
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Tues
Wed
Thur
Fri
Sat
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Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
:S
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Rising, Setting, anp
Southing of stars. Position
OF Planets and of the
Moon, &c., &c.
Jupiter in merid. 7h. ibm. eve.
Seven Stars rise, 7h. 24m. eve.
Saturn in merid. iih. 8m. eve.
Moon near Jupiter.
Aldebaran rises, 8h. 43m. eve.
Venus in Virgo.
Moon in merid. 9h. 33m. eve.
Rige\ rises, loh. 27m. eve.
Moon near Saturn.
Moon apogee. Low tide.
Betelguese rises, loh. cm. eve.
Day's length, iih. 17m.
Moon highest.
Mars in Virgo.
Jupiter in merid. 6h. 24m. eve.
Moon near Rigel.
.Saturn in merid. loh. 9m. eve
Moon near Castor and Pollux.
Sirius rises, iih. 44m. eve.
Jupiter in Sagittarius.
Venus near Mars.
Jupiter quad. Sun, east.
Castor rises, gh. 6m. eve.
(25) Moon peri. Tide highest.
Moon near Mars and Saturn.
Moon lowest.
Saturn in Pisces
Regulus rises, oh. 48m. morn.
Vega sets, oh. 54m. mom.
Saturn in merid. gh. i6m. eve.
Moon near Jupiter.
^, ,„„„._„„_ I Calendar FOR
nr.=-rrC^MVc;^r.?cVcwN.V. city, PHILADELPHIA,
??J;?, i,^r; WrlrnMcJ^,. i NEW JERSEY. PENNSYL-
M^nvor'A^ mu^A • I VANli, CONNECTICUT.
MICHIGAN, IOWA, ;| OHIO, INDIAN A AND
Illinois.
AND OREGON.
H. M.
5 57
558
5 59
6 o
6 I
6 2
6 3
6 4
6 7
6 8
6 9
6 10
6 II
613
6 14
615
6 16
6 17
6 18
6 20
6 21
6 22
6 23
6 24
626
6 27
628
6 29
6 31
6 32
H. M.
542
5 4°
5 39
5 37
5 35
5 33
5 32
5 30
5 28
5 27
5 25
5 23
5 22
5 20
519
5 17
5 15
5 14
5 12
5 II
5 9
5 8
5 6
5 5
5 3
5 2
5 I
4 59
4 57
4 57
4 55
10 5
11 5
morn
20
1 26
2 29
3 29
4 29
528
rises
5 34
6 5
6 41
725
8 19
921
10 29
11 40
morn
53
2 7
3 23
440
6 2
sets
5 52
647
7 51
9 o
10 9
H. W.
Boston
H. M. !
248
346
4 47
5 52
655
7 49
840
9 21
10 I
1039
11 16
II 50
ev.27
1 52
2 38
329
4 25
5 26
628
732
8 29
923
10 15
II 7
II 56
morn
48
1 40
2 36
3 30
Sun
Rises.
H. M.
556
5 57
558
5 59
6 o
6 I
6 2
6 3
6 4
6 5
6 7
6 8
6 10
6 11
612
6 13
6 14
615
616
618
6 19
6 20
6 21
6 22
6 23
6 24
626
6 27
628
6 29
H. M.
5 43
541
5 39
538
5 36
5 35
5 33
5 31
5 30
528
5 27
5 25
5 23
5 22
S 20
5 19
5 17
516
5 14
5 13
5 12
5 10
5 9
5 7
5 6
5 4
5 3
5 2
5 I
4 59
458
H. M.
9 9
ID 12
II 10
morn
24
1 29
2 32
3 30
4 29
5 27
rises
538
6 10
647
7 32
826
9 27
1034
II 44
morn
S6
2 8
3 23
4 39
5 59
sets
5 57
6 54
7 57
9 6
10 14
H.M.
morn
32
1 34
2 38
340
4 34
5 25
6 7
647
7 24
758
833
9 14
9 54
1036
II 20
ev. 14
1 12
2 12
3 14
4 17
5 14
6 9
7 I
7 50
839
9 34
10 24
11 18
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia.
Missouri and
California.
5 55
556
5 57
558
5 59
6 o
6 I
6 2
6 4
6 5
6 6
6 7
6 8
! 0 o
611
6 12
6 13
6 14
615
6 16
6 18
6 19
6 20
6 21
6 22
6 23
C 24
6 25
626
Sun
Sets.
h. M.
5 43
542
540
5 39
5 37
5 35
5 34
532
5 31
5 29
528
5 26
5 25
5 23
5 22
521
5 19
5 18
516
5 15
5 14
5 13
5 II
5 10
5 9
5 8
S 6
5 5
5 4
5 2
5 I
H. M
9 16
10 18
11 14
morn
29
1 32
2 34
3 30
4 29
5 26
rises
542
615
6 s6
738
8 32
9 33
1039
II 49
morn
59
2 9
3 23
4 37
556
sets
6 5
7 2
8 4
9 12
° 19
Moon's phases.
First Quarter, I 3
Full Moon, ! II
Last Quarter, 19
New Moon, I 25
2 17 Morning.
4 10 Morning.
2 26 Morning.
6 14 Evening.
New-York.
Washington.
H. M.
2 s Morning.
3 58 Morning.
2 14 Morning.
6 2 Evening.
H. M.
1 53 Morning.
3 46 Morning.
2 2 Morning.
5 50 Evening.
Charleston.
H. M.
I 41 Morning.
3 34 Morning.
I 50 Morning.
5 38 Evening.
SUN AT Noon Mark.
H.
M. S.
II 49 36
II 47 15
II 45 22
II 44 8
mmw^'wmmm miLiimMm©.
23
The Mother's Vigil.
(Sec Page 30.)
T
HE doer of a secret sin supposes it is he they 1 -tt IS said that a man never wakes up his second
are talking about. — African Proverb. 1 1 baby to see it laugh.
24
TMm mMwi^'W'BMm maM^Mm©,
THE man whose house burns without insurance
still lives to build another house over his
family's head, but the man who dies uninsured
leaves his family to fight the battle of life alone.
His children will not starve, probably, but they
may lack food for the mind and for the soul that
is more precious than daily bread, and pangs
more severe than those of hunger must pierce
the heart of one who remembers in his last hours
that he might with ordinary prudence have left
them a competence.
"A/T^' J°'^^S'> don't you think women are
iVJ. more sensible than men ? " asked Miss
Smith. And Jones, after scratching his favorite
bump for a moment or two, said; "Why,
certainly they are. They marry men, and men
only marry women." — Puck.
BE sure and ask ike agent 70/10 wishes to insure
your life, whether you will receive dividends
which will be available in settlement of the second,
and all subsequent annual premiutns . This is the
way those who insure in the New-York Life
are treated (unless they take "Tontine Invest-
ment Policies"- — which give them the surplus in
another form), and after an experience of many
years they say they like it. The man whose
payments begin to grow smaller the second year
ought, except under extraordinary circumstances,
to be able to meet them without any great
difficulty.
LOVE is blind." There is but one thing blinder
— selfishness. A selfish man stands in his
own light ; is engaged in a devastating war
upon his own interest.
ISlcbrntl; fflonti).
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Wed
311
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Thur
312
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Fri
313
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314
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11
JMon
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Tues
317
13
Wed
31a
14
Thur
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Fri
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Sat
321
17
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322
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323
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Tues
324
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32s
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Fri
327
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328
24
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329
25
Mon
330
26
Tues
331
27
Wed
332
28
Thur
333
29
Fri
334
30
Sat
Rising, Setting, anii
Southing of Stars, Position
oi^ Planets and of the
Moon, &c., &c.
Saturn in merid gh. 7m. eve.
Aldebaran rises, 6h. 42m. eve.
Venus in Libra.
Rigel rises, 8h. 41m. eve.
Moon near Saturn.
Moon apogee. Low tide.
Moon in merid. loh. i2ni. eve.
Betelguese rises, 8h. lom. eve.
Moon highest.
Mars in Libra.
Moon near Aldebaran.
Moon near Rigel.
Saturn in merid. 8h. 19m. eve
Moon near Castor and Pollux.
Day's length, ph. 55m.
Sirius rises, gh. S4m. eve.
Jupiter in Capricornus.
Castor rises, 7h. 24m. eve.
Procyon rises, gh. 18m. eve.
Regulus rises iih. iSm. eve.
(22) Moon perigee and lowest.
Moon near Mars.
Saturn in Aquarius.
Moon near Venus.
Spica rises, 3h. 3Sm. morn.
Vega rises, sh. 16m. mom.
Saturn in merid. yh. 22m. eve.
Moon near Jupiter.
Saturn stationary.
Venus near An tares.
Calendar for
Boston, N.Y. state, new
England, Wisconsin,
Michigan, Iowa,
and Oregon.
633
634
636
637
638
C39
6 41
6 42
643
644
646
647
648
6 49
651
6 52
653
654
656
657
658
659
7 o
7 2
7 3
7 4
7 5
7 6
7 7
7 8
H. M.
4 54
4 53
451
4 SO
4 49
448
4 47
4 45
4 44
4 43
4 42
441
4 4a
4 39
4 39
438
4 37
4 36
4 35
4 34
4 34
4 33
4 32
432
431
431
4 30
4 30
430
4 29
H. M.
II 16
morn
20
1 24
2 22
3 22
4 22
521
6 23
rises
5 24
6 16
9 30
10 41
11 51
morn
1 5
2 17
3 34
4 52
5 17
sets
S 31
637
7 49
9 I
10 8
H.M.
4 25
519
6 12
7 4
7 52
8 36
9 19
10 o
1043
11 23
ev. 5
48
1 36
2 24
3 13
4 4
4 59
5 55
655
7 54
853
9 50
10 48
11 39
morn
34
1 27
2 18
3 4
3 50
Calendar for
N.Y. City, Philadelphia,
New jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
H. M.
630
6 31
6 32
634
635
6 3O
6 37
638
6 40
6 41
6 42
643
644
6 46
647
648
649
6 50
651
6 53
654
655
6 56
657
658
659
7 o
7 2
7 3
7 4
H. M.
4 57
456
4 54
4 53
4 52
4 51
4 50
4 49
448
4 47
446
4 45
4 44
4 43
442
441
440
4 39
4 39
438
438
4 37
436
436
4 35
4 35
4 35
4 34
4 34
4 34
H. M.
II 20
morn
23
1 25
2 22
3 21
4 19
51a
6 19
rises
5 29
6 23
7 22
8 27
9 35
1043
II 53
morn
1 5
2 16
3 32
4 49
6 9
sets
538
643
7 54
9 5
10 10
11 13
H.M.
1 12
2 5
e 58
3 49
4 37
5 21
6 5
646
7 27
8 6
8 50
9 34
10 21
11 7
II 58
ev.51
I 46
241
342
4 39
538
636
7 32
8 22
9 21
10 13
11 o
II 49
morn
36
Calendar for
Washington,
Maryland. Ken-
tucky, Virginia,
Missouri and
California.
H. M.
6 27
628
I 6 29
6 31
6 32
633
634
63s
636
637
6 38
6 39
6 40
6 41
643
644
645
646
647
648
649
6 50
651
6 52
6 53
655
656
657
658
659
Sun
Sets.
H. M.
5 0
4 59
458
4 57
4 56
4 55
4 54
4 53
452
4 51
450
4 49
448
4 47
4 47
4 46
4 45
4 44
4 44
4 43
4 43
442
4 42
441
440
440
4 40
4 40
4 39
4 39
H. M.
II 24
morn
25
1 27
2 2.-?
3 20
4 19
5 15
6 14
rises
5 37
6 29
7 29
832
9 39
1047
II 55
morn
1 6
2 15
3 29
4 45
6 4
sets
5 44
6 50
8 o
9 10
10 13
11 14
Moon's phases.
First Quarter,
Full Moon,
Last Quarter,
New Moon,
Boston.
H. M.
5 7 Evening.
9 50 Evening.
I 14 Evening.
N ew-York.
24 ! 4 27 Morning.
H. M
4 55 Evening.
9 38 Evening.
I 2 Evening.
4 15 Morning.
Washington.
H. M.
4 43 Evening.
9 26 Evening,
o 50 Evening.
4 3 Morning.
Charleston.
H. M.
4 31 Evening.
9 14 Evening,
o 38 Evening.
3 51 Morning.
Sun at Noon mark.
D.
H.
M.
s.
I
II
43
42
9
11
43
59
17
II
45
9
25
11
47
14
TMS MI1M'^^®M^
25
TRUE virtue consists in improving the mind,
and in purifying the heart ; in bearing good-
will toward mankind, and in engaging them to
love truth and moral excellenct-. — Confucius.
T
HE wholesome plain things of this life are its
greatest blessings, and any one who desires
to eschew them and banquet on sweets, is likely
to have a hard time of it.
26
TMM MM'W^^'B'M
THE immense annual disbursements of life
insurance companies show that they occupy
a very important place among the beneficent
agencies of modern civilization. These pay-
ments on matured policies, mostly to the families
of deceased policy-holders, now amount to about
twenty-five million dollars annually in this
country alone. If we go back ten years and
sum up the benefactions of life insurance, we
shall find that they reach a total of over one
hundred and fifty million dollars.
A SINGLE bitter word may disquiet an entire
family for a whole day. One surly glance
casts a gloom over the household, while a smile,
like a gleam of sunshine, may light up the
darkest and weariest hours. Like unexpected
flowers which spring up along our path, full of
freshness, fragrance and beauty, so do kind
words, and gentle acts, and sweet dispositions
make glad the home where peace and blessings
dwell. No matter how humble the abode, if it
be thus garnished with grace, and sweetened
with kindness and smiles, the heart will turn
longingly toward it from all the tumults of the
world ; and a home, if it be ever so humble, will
be the dearest spot beneath the circuit of the sun.
^JO MAN can safely go abroad, that does not
S love to stay at home ; no man can safely
speak that does not willingly hold his tongue ;
no man can safely govern, that would not cheer-
fully become subject ; no man can safely com-
mand, that has not truly learned to obey ; and do
man can safely rejoice, but he that has the testi-
mony of a good conscience. — Thomas d. Kempis.
Jttoflftlj fHoiitlj.
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Thur
340
6
Fri
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7
Sat
342
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9
Mon
344
10
Tues
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Wed
.346
12
Thur
347
13
Fri
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Sat
349
■15
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350
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17
Tues
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18
Wed
3.53
19
Thur
3S4
20
Fri
3,S5
21
Sat
.356
22
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3.';7
23
Mon
3SS
24
Tues
3SQ
2S
Wed
360
26
Thur
^61
27
Fri
^62
28
Sat
363
29
,:s
364
30
Mon
365
31
Tues
Rising, Setting, and
Southing of Stars, Position
OF Planets and of the
Moon, &c., &c.
Venus in Scorpio.
Seven Stars set, 6h. 24m. morn.
Moon near Saturn.
Moon apogee. Low tide.
Moon in meridian, 8h. 52m. eve
Moon highest.
Saturn in merid. 6h. 43m. eve.
Mercury, greatest elong. east.
Mars in Libra.
Moon nearest Sirius.
Moon near Castor and Pollux.
Aldebaran sets, sh 59m. morn
Day's length, gh. 17m.
Moon near Reguhis.
Jupiter in Capricornus.
Rigel rises, sh 55m. eve.
Saturn in merid. 6h. 5m. eve.
Saturn quad. Sun, east.
Moon lowest.
Moon perigee. Tide highest.
Sun enters \3 Winter begins.
(21) Moon near Mars.
.Saturn in Aquarius.
Moon near Venus.
Betelguese rises, sh. 8m. eve.
Moon near Jupiter.
Sirius rises, 7h. 13m. eve.
Kegulus rises, 8h. 4Sm. eve.
Uranus in Leo.
Moon near Saturn.
Vega rises, 2h. 8m. morn.
Calendar for
Boston, N. v. State, New
England, Wisconsin,
Michigan, Iowa,
and Oregon.
7 10
7 II
7 12
7 13
7 14
7 15
7 16
7 17
7 17
718
7 19
7 20
7 21
7 22
7 22
7 23
7 24
724
725-
7 26
7 26
7 26
727
7 27
7 28
728
7 28
7 29
729
729
7 30
H. M.
4 29
4 29
4 28
4 28
4 28
4 28
4 28
4 28
4 28
4 28
4 28
4 28
4 28
4 28
4 29
4 29
4 29
429
430
4 30
4 31
4 31
432
4 32
4 33
4 33
4 34
4 35
4 36
4 37
4 37
H. M.
morn
12
1 12
2 II
3 II
4 13
5 15
6 18
rises
5 10
6 14
7 22
8 32
9 44
1053
morn
4
1 18
2 33
3 51
5 7
6 20
7 25
sets
6 39
748
854
9 59
H. M.
4 37
5 25
611
7 o
7 49
837
9 35
10 14
11 3
II 48
ev.33
1 22
2 7
2 53
3 40
4 29
5 25
623
7 25
831
9 34
10 34
11 29
morn
18
I 6
1 50
2 31
3 10
3 50
4 33
Calendar for
N.Y.Crrv, Philadelphia
New jersey, Pennsyl-
vania, Connecticut,
Ohio, Indiana and
Illinois.
H. M.
7 5
7 t>
7 7
7 8
7 9
7 10
7 II
7 12
7 13
7 14
7 15
7 15
7 16
7 16
7 17
7 18
7 18
7 19
7 20
7 20
7 21
721
7 22
7 22
7 23
7 23
7 23
7 23
724
724
7 24
Sun
Moon
Sets.
h. M.
Sets.
H. M.
4 34
morn
4 33
13
4 33
I II
4 33
2 9
432
3 9
432
4 9
432
5 10
432
6 12
432
rises
432
517
432
6 19
432
727
4 33
8 36
4 33
956
4 33
1054
4 33
morn
4 33
4
4 34
I 16
4 34
2 30
4 35
3 4^*
4 35
5 2
4.3b
0 14
4 37
718
4 37
sets
438
643
4 39
7 51
4 39
8 s6
4 40
10 0
440
II 0
441
II 59
442
morn
h.m.
1 24
2 II
2 57
3 45
4 34
5 22
6 II
7 o
7 46
831
9 22
10 8
10 50
11 37
ev.26
1 16
2 II
3 9
4 10
5 16
6 20
7 21
8 12
9 4
9 52
1034
II 14
II 55
morn
36
I 20
Calendar for
Washington,
Maryland, Ken-
tucky, Virginia,
Missouri and
California.
Sun
Sun
Rises.
Sets.
H. M.
h. m.
7 0
4 39
7 I
4 39
7 2
4.3a
7 2
438
7 3
438
7 4
4.38
7 5
438
7 0
438
7 7
438
7 8
4.38
7 9
438
7 9
4 39
7 10
4 39
7 II
4 39
7 12
4 39
7 12
440
713
440
7 14
440
7 14'
441
7 15
441
715
4 42
7 16
442
7 16
4 43
7 17
4 43
717
4 44
717
4 44
718
4 45
718
446
718
4 47
7 19
4 47
7 19
448
h. m.
morn
13
1 II
2 7
nses
5 23
6 25
7 32
839
948
1055
morn
3
1 14
2 26
3 42
4 56
6 0
7 12
sets
648
7 55
859
II 57
morn
Moon's Phases.
First Quarter,
Full Moon,
Last Quarter,
New Sloon,
First Quarter,
H. M.
II 53 Morning.
3 6 Evening.
10 20 Evening.
4 40 Evening.
9 13 Morning.
New-York.
H. M.
II 41 Morning.
2 54 Evening.
10 8 Evening.
4 28 Evening.
9 I Morning.
Washington.
H. M.
II 29 Morning.
2 42 Evening.
9 56 Evening.
4 16 Evening.
8 49 Morning.
Charleston.
H
M.
D.
H.
M.
S.
II
17 Morning.
I
II
49
19
2
30 Evening.
9
II
S2
3g
9
44 Evening.
17
II
S6
27
4
4 Evening.
25
12
0
26
8
37 Morning.
31
12
3
23
Sun at Noon Mark.
I'MS MMW^W^BMyM M^mEMMMi
27
A DiscovKRY ON Christmas Eve.
(See Pape 31.)
28
M'SM'^"y©liai
.aMMlf vS'S
Illustrations for tl(e Year.
Prosperity. [Page sj
We have placed opposite the first
month of the year this picture of quietness
and contentment and plenty, and were
the fates and fortunes of our readers in
our hands all of them should reach five-
and-forty years of age with no more signs
of want, or care, or disease, or sorrow,
upon their faces than this sleek and well-
fed couple show. And they should sit
down on New Year's day in just such a
cozy room as this, and sip their tea and
eat their evening meal and read the news
of the week with clear consciences and
grateful hearts. And the cat should doze
before the fire and the sword should hang
idle on the wall, and every recurring New
Year's day should look upon a similar
scene; except that somewhere — perhaps
not in this picture, it is so small, but
somewhere — we would have children and
grandchildren add their cheerfulness and
vivacity to the scene — -just to keep the
hearts of the old young and fresh and
sympathetic as long as they lived.
"Sing, if You LoYG Me.'Vage;.]
How many things, grave and gay,
momentous and trivial, beautiful and
ugly, glad and sad, go to make up the
world ! In the same city, jostling each
other on the streets, under the same roof
often, and even in Almanacs, opposites of
eveiy sort mingle tears and laughter.
The turning of a leaf takes us from the
presence of serene middle-age and shows
us youth in its freshness, "without a
thought of evil or a name for fear," with-
out a care for the future (which holds so
many cares for all who enter it ! ), charmed,
as maidens always are, with affection and
feathers and song. How beautiful has
God made everything in its season !
' ' We are wiser, we are better,
Under manhood's sterner reign :
Still, we feel that something sweet
Followed youth with flying feet.
And will never come again."
Dr. Holland says wine at last turns to
nectar or to vinegar according as the
grapes absorbed much or little sunlight in
their growth, and that men and women turn
sweet or sour, under sore trials, on the
same principle. Be this as it may, of this
we are sure, that all the sunshine we shed
upon young lives is reflected back upon
ourselves from their glowing faces.
[Page 9.]
A Lesson All Must Learii.
Who could ever persuade a child that
it is dangerous to use a knife, until after
he had cut his fingers? Who of us are
free from the scars which taught us the
danger of using edged tools ? Yet children
bear the pain and the "I told you so's"
with great equanimity, m.any times, which
indicates better stuff than to attempt
nothing for fear of pain or failure. A
little judicious sympathy and counsel at
such times goes a long way toward knit-
ting young hearts to older ones, and lays
the foundation for helpfulness in weightier
matters. The price at which mankind
buy knowledge is often appalling. One
can scarcely read the history of constitu-
tional liberty, or any other history for
that matter, without feeling that the folly
of mankind is one of its chief character-
istics. The events of centuries do beat a
little sense into our dense understandings,
but we go forward with but halting steps
after all, and repeat over and over again
the failures of those who went before us —
and all because we will not learn of others.
We must cut our own fingers before we
realize the truth of the proverb, "It is
dangerous to play with edged tools."
Tie Keturn of t\e Swallows.
[Page n.]
The gorse is yellow on the heath.
The banks with speedwell flowers are gay,
The oaks are budding ; and beneath,
The hawthorn soon will bear the wreath,
The silver wreath of May.
The welcome guest of settled spring.
The swallow, too, is come at last ;
Just at sunset, when thrushes sing,
I saw her dash with rapid wing.
And hailed her as she passed.
Come summer visitant, attach
To my reed roof thy nest of clay.
And let my ear thy music catch,
Low twittering underneath the thatch.
At the gray dawn of day.
— Charlotte Smith.
"ffiw^w®®^ maiimM'a.©^,
29
'Meadows Trim ¥itl( Daisies Pied."
[Page 13.]
Laud the first spring daisies ;
Chant aloud their praises :
Send the children up
To the high hill's top ;
Tax not the strength of their young hands
To increase your lands.
Gather the primroses,
Make handfuls into posies ;
Take them to the little girls
Who are at work in the mills :
Pluck the violets blue, —
Ah, pluck not a few !
Knowest thou what good thoughts from
Heaven the violet instills ?
Ah, come and woo the spring ;
List to the birds that smg ;
Pluck the primroses ; pluck the violets ;
Pluck the daisies.
Sing their praises ;
Friendship with the flowers some noble
thought begets.
Come forth and gather these sweet elves
(More witching are they than the fays of old)
Come forth and gather them yourselves;
Learn of these gentle flowers whose worth
is more than gold. — Edward Youl.
"How Sweet You Are. "[Page xs.]
Of course we expect some of our young
gentlemen readers will pervert this title ;
but that is what she said, as she bent over
the urn, holding back her dress carefully
with one hand, and with the other holding
the fragrant blossoms to her — nose. It is
always a sign (to us) of some goodness of
heart if a person loves flowers — well enough
to cultivate them. There is a sentiment
that passes for love, which some persons
feel toward a great many things — provi-
ded they are no trouble. Flowers, and
children, and the poor, and the country,
and various other things are pleasant to
the sight and smell, to play with, and to
arouse sentiment and enthusiasm ; but the
dirt and the care and the self-sacrifice they
involve is a higher price than many are
willing to pay for them. But to come
back to our subject. Mr. T. B. Aldrich,
in writing of a box of mignonette which a
lady friend of his attended very assidu-
ously, says :
"Morning and night she tends to them.
The senseless flowers that do not care
To kiss that strand of loosened hair
As prettily she bends to them.
" If I could once contrive to get
Into that box of mignonette — " •
And that, we expect, is what our perverse
young man is saying of this urn.
Punt^I'is^iiig on tl(e Tl(ames.
[ Page 17.]
This picture is taken from a collection
of about one hundred, drawn by H. R.
Robertson, and published in a volume
entitled "Life on the Upper Thames."
It is a quiet country scene where river and
shore and sky are placid and serene. The
smoke moves lazily upward from the cot-
tage chimney, and even the fish are
drawn in with a deliberation and coolness
that are in harmony with the surround-
ings of the fishers. The punt — which is
the boat, not the fish — is held stationary
by two poles, thrust down into the mud
bottom; the pleasure-seekers do the fish-
ing, and the attendant sits astride the
" well " into which he puts the fish caught,
and rebaits the hooks from the flower-pot
in front of him. We suspect the pleasure
that one is able to get from such quiet
diversion depends largely on the company
he has.
"Site Called Me Pretty— Am If"
[ Page 19.]
Every one likes to see beautiful chil-
dren, but no one likes to see them act as
though they were conscious of it. It is
something that speaks for itself — or will
if every one else observes a golden silence.
And the case is not altered when children
become grown ; a man or woman vain of
his or her good looks is intolerable. But
there is as yet no vanity behind this fair —
almost serious — face. With proper train-
ing there never need be. And that suggests
that children often become vain by hearing
their good looks remarked upon too fre-
quently in the presence of strangers. Not
only their looks but their sayings, their
ways, their performances are sometimes
rehearsed to visitors ad nauseam. It
harms children vastly more to hear such
things than it does to allow them to take
part in conversation. They ought neither
to be snubbed nor exhibited, but rather
to be taught, by example as well as by
precept, the propriety and the advantages
of listening and observing, and of modesty
and courteousness in speech. That their
heads are comparatively empty is not their
fault, but what they are getting filled with
depends upon the wisdom of parents.
Knowledge of useful and beautiful and
noble things will do much to keep out
both vanity and evil.
30
TMM MMW^'W^MM M^MMMM(Q.
Dreams and I'aiieies. cpage^i.]
What should a father dream about
with children at play by his side ? Dreams
are very uncertain, but with some people,
at least, they often follow the direction of
their waking thoughts. And so we should
hope that this father, who dozes while his
children amuse themselves, has dreams in
which his children have a place. For the
truth is not half enough enforced that
parents owe much to their children. We
believe firmly in the subjection of children,
and in their obligations to render obedi-
ence to all reasonable requirements, and
to give honor to parents in no small
measure; but, "unto whom much is
given of him will much be required," and
by so much as parents are wiser and
stronger than their children, are their
duties greater and higher. Parents some-
times forget that by and by all that will
remain of their life-work, that will be of
any great and lasting value, will be the
characters of their children. If they
neglected them for pleasure, for money-
making, or sacrificed their best good to
anything beneath the stars, theirs will be
a loss incalculable and irreparable.
Tl^e Motl^er's Yigil. [Pa^e .3.]
We sometimes read very touching
things about "the sorrows of childhood,"
and in them recognize some of our own
experiences ; but this would seem to con-
vict the grown-up world of stupidity
rather than of cruelty, — of want of thought
rather than want of heart, — for surely
there is no other class of beings upon
whom love is lavished so freely as it is
upon children. It maybe unwisely mani-
fested, it may be unwisely concealed, but
that it exists and is deeply rooted is
beyond question.
The utter helplessness of children seems
to be the point around which paternal
love gathers. It is not the stalwart boy
nor the blithe little maiden who gets most
kisses and caresses — though they get
many; no, it is the little helpless lump of
flesh that can only laugh and cry and eat
and drink and sleep, that the father inquires
about first when he comes home, that the
mother never leaves for a day at a time,
that all the neighbors make friendly
grimaces at, and that brings the whole
family to his feet in loving submission.
What a scepter he wields! — and yet as
fast as he learns his power, and attempts
to use it to any great extent, it is taken
from him. As he grows up he is — or
ought to be — -curbed, restrained, perhaps
afflicted, for his own good, for in most
cases there is no surer preparation for a
life of wretchedness than to grow up to do
as one pleases. The world will not be so
yielding, and when defeat comes — as
come it will sooner or later — he who has
not learned to bend will break.
It is only when strength departs for a
season, and the mother watches beside a
little form, helpless again as was the
infant she so well remembers, that the old
dominion and power return. This being
which a few years ago was not — what a
place it has made in her heart ! How
much of her life has gathered about it !
What a shock it gives her to think it
might be taken away ! And not even
thus can love be extinguished, for as she
turns from the bedside to the Book and
from the Book to the bedside, she feels
that love is immortal and will live beyond
the stars.
"Wo All do Tade as a LoatV
[Page 25.]
An aged woman, who is near the end
of life's journey, bent and feeble and
leaning on her staff; two little maids just
at life's beginning — these three face to
face, and surrounded by "naked woods
and meadows br(iwn and sere," while
under their feet the rustling and faded
leaves tell the simple story of how we
all grow old. Whether the woman's words
are those of wisdom or of complaint we
know not, but there ought to be a lesson
in the scene for both young and old. We
have no more sympathy with the Grad-
grinds who ignore all sentiment and feel-
ing than we have with the sentimentalists
who ignore principle in their worship of
sentiment. The man who cannot appre-
ciate, nor enjoy, nor see moral analogies
in the changing phases of earth and sea
and sky, is lacking in some of those finer
sensibilities which distinguish men from
brutes. The man who has no sentiment
in his soul is as little fit to be trusted and
loved as one who has no music. He
"Is fit for treasons, stratagems and spoils :
The motions of his spirit are dull as night,
And his affections dark as Erebus."
^m:
31
A LiseoYery on Cl(ri§tma§ Eye.
[Page 27.]
Here is a wonder, sure enough. The
Httle boy goes to bed early with the
injunction to go to sleep quickly, and
with the assurance that when he wakens
in the morning Santa Claus will have
been there, and the Christmas tree will be
loaded with toys and all manner of sweet
things. Well, he went to sleep quickly,
and woke up quickly, too. And there he
sees the Christmas tree well loaded surely,
but, instead of a whiskered fairy, with whip
and pack, arranging the presents, he
sees his own mother. Whether his belief
in the children's patron saint will be
shaken or not is a question, because it
will probably be said that Santa was in a
hurry and left mamma to put the things
on the tree. Leaving to his mother the
task of getting him asleep again, and him
to his dreams of happiness on the mor-
row, we suggest for our readers' consider-
ation this question : How far is it right
to speak figuratively and in riddles to
children ? Please do not dodge it, kind
friends, nor dismiss it from your minds
until you have reviewed your conclusions
with some care.
Ring out wild bells to the wild sky,
The flying cloud, the frosty light :
The year is dying in the night ;
Ring out, wild bells, and let him die.
Ring out the old, ring in the new,
Ring, happy bells, across the snow :
The year is going, let him go ;
Ring out the false, ring in the true.
Ring out the grief that saps the mind,
For those that here we see no more ;
Ring out the feud of rich and poor.
Ring in redress to all mankind.
Ring out false pride in place and blood.
The civic slander and the spite ;
Ring in the love of truth and right.
Ring in the common love of good.
Ring out old shapes of foul disease ;
Ring out the narrowing lust of gold ;
Ring out the thousand wars of old,
Ring in the thousand years of peace.
Ring in the valiant man and free,
The larger heart, the kindlier hand ;
Ring out the darkness of the land.
Ring in the Christ that is to be.
— Tennyson.
Postal Information.
Domestic Postage.
To ANY point within the United States,
Canada, New Brunswick, or Nova Scotia:
Letters, or any matter so inclosed that
it cannot be examined without injury to
the wrapper, three cents for each half
ounce or fraction thereof. Drop-letters,
at offices having carriers, two cents per
half ounce or fraction thereof; at offices
without carriers, one cent. All packages
containing written information are rated
at letter postage. A letter packet must
not weigh over four pounds. At least
three cents must be paid on a letter packet ;
if more is due and not paid it will be col-
lected on delivery. A letter will be re-
turned to the writer free if a request to do
so is placed on the outside of the envelope.
Letters sent to the wrong place will be
forwarded free at the request of the person
to whom they are addressed. To register
a letter packet, prepay it fully and add ten
cents in stamps and your name and ad-
dress ; this will secure the return of a re-
ceipt for it. Manuscripts, except for books,
are charged letter rates.
All letters remaining uncalled for thirty
days in a post-office, after being advertised,
are sent to the Dead Letter Office, with the
following exceptions : i. Letters bearing a
request to return to the writer if not called
for within a specified tiirie, and letters bear-
ing the name and address on the outside.
Such letters are not advertised, and are
not sent to the Dead Letter Office, but are
returned direct to the writers. The use
of "request" envelopes is recommended
by the post-office authorities. 2. Mail
matter addressed to Initials will be sent
to the Dead Letter Office, unless a street
address or box number is given.
32
'WMM I'SEM'^
Postal-Cards. — There must be nothing
whatever attached to a postal-card, except
that the address may be pasted on, nor
anything written or printed on the face
except the address. Anything the sender
desires may be written or printed on the
back, provided it is not scurrilous or inde-
cent. Postal-cards are not returned to
the senders, nor advertised, nor sent to the
Dead Letter Office. If not called for in
sixty days they are burned. Any printed
card may be sent through the mails, if
prepaid at the rate of one cent per ounce
or fraction thereof, provided it contains no
written matter except the address, which,
with the stamp, should occupy one side.
Postal-cards may be sent to Cuba, Porto
Rico and Jamaica, (by "direct mail"),
and to Newfoundland or any European
country, by adding a one-cent postage
stamp.
Priiifed Matter. — • Pamphlets, maga-
zines, books, posters, prospectuses, maps,
occasional publications, transient newspa-
pers, periodicals, handbills, sheet music
(printed), proof-sheets corrected or uncor-
rected, and regular publications designed
primarily for advertising purposes, or for
free circulation at nominal rates — OJie cent
for each two ounces or fraction thereof
Merchandise and Circulars. — Chromos,
engravings, photographs, prints, litho-
graphs, stereoscopic views, seeds, cuttings,
bulbs, roots, scions, printed cards and
blanks, card-board, photographic paper,
plain and ornamental paper, letter envel-
opes and postal wrappers, book manu-
script, unsealed circulars, patterns, miner-
als and all other mailable merchandise —
one cent for each ounce or fraction thereof.
Samples to Canada, New Brunswick and
Nova Scotia, fen cents for eight ounces,
which is the limit of weight. No other
merchandise carried.
Drop Mail at Letter-Carrier Offices. —
When deposited in a letter-carrier office
for delivery by the office or its carriers :
Weekly newspapers to transient parties,
one cent per ounce or fraction thereof;
other newspapers, one cent for each paper ;
periodicals not exceeding two ounces, one
cent, exceeding two ounces, two cents ;
unsealed circulars, one cent each.
No postal packet may exceed four
pounds in weight except books, documents
printed by order of Congress and docu-
ments from the Executive Departments of
the government. All printed matter and
merchandise must be fully prepaid. All
except letter packets must be so wrapped
that their contents can be thoroughly ex-
amined without cutting or injuring the
wrapper or cord (a sealed envelope with
notched corners is not considered a proper
wrapper), and no signs or marks of any
kind may be made on the wrap per or its con-
tents except the address and the following:
Publishers may print the date of expi-
ration of subscription on wrappers, and
may inclose bills and receipts. Business
cards may be printed or pasted (if printed)
on wrappers. Samples may be numbered
to correspond with similar marks in cata-
logues, invoices or letters. Typographi-
cal errors in circulars, etc., may be cor-
rected in writing, and an author may add
to a proof-sheet new matter, if for the
purpose of completing the article. A
circular may contain a written address in-
side, but nothing else. A simple mark
may be made to call attention to an article
in printed matter. Any packet may have
the name and address of the sender, with
the Vv'ord " From " prefixed on the wrap-
per, and the number and names of the
articles may be attached.
Liquids, poisons, explosives, etc. — any
thing liable to injure the mail-bags, their
contents, or employes of the department
— if discovered, will be thrown away.
Stamps cut from stamped envelopes or
newspaper wrappers are not good, but if
the whole envelope is presented, and the
postmaster satisfied that it has not been
used, it will be redeemed in stamps.
Printed matter, merchandise and other
third-class matter will not be forwarded
from the office where it is addressed, unless
the postage is paid anew, and a request
to return such packages written thereon
subjects the matter to letter postage.
To inclose any written matter in printed
matter subjects the person maihng the
same to a fine of five dollars unless the
person receiving the package pays letter
postage on the same. If articles upon
which different rates of postage are charged
are inclosed in the same package, postage
must be paid at the highest rate.
Post-Office Money Order Fees are as
follows : For orders not exceeding fifteen
dollars, ten cents ; from fifteen to thirty
dollars, fifteen cents ; from thirty to forty,
twenty cents ; from forty to fifty, twenty-
five cents. Money orders are considered
perfectly safe, and are sometimes more
TMM MM^^W^MM M'&^WMMM'B,
33
convenient than bank drafts, as the holder
is not usually required to be identified.
He must be able to say from whom and
from where the order comes. The payee
of an order may request payment to be
made to another person, but only one such
indorsement is allowed. If a money order
is lost, a certificate must be obtained from
both the issuing and paying postmaster
that it has not been and will not be paid,
when the Department at Washington will
issue another on application. Money sent
through the mail, even though the letter
be registered, is at the risk of the sender,
except where there is a special agreement
to the contrary.
The mailing of any letter or circular
concerning lotteries, gift concerts, or simi-
lar enterprises offering prizes ; and the
mailing, or receiving through the mail, of
any indecent publication, or any article
designed for any iminoral use, or any
notice giving information as to the pro-
curing of such articles, — are punishable by
either fine or imprisonment, or by both.
foreign Postage.
To Mexico, direct by sea, letters ten
cents, papers one cent for each two ounces
or fraction, and one cent additional for
each paper; land route, United States
rates. To Brazil, British mail via Brindisi,
letters ten cents, papers four cents.
To all European countries, Algeria, the
Azores, Balearic Islands, Bermuda, Canary
Islands, Costa Rica (direct mail via As-
pinwall), Egypt, Faroe Islands, P'iji Isl-
ands (direct via San Francisco), Gibraltar
(British mail via England), Heligoland,
Honduras Bay Islands (direct via New
Orleans), Madeira Islands, Malta and
dependencies, Spanish settlements in
Morocco, Newfoundland, New Granada
(direct mail), Panama (direct mail), San
Domingo (direct steamer), Tangiers, Trip-
oli, Tunis, West Indies (direct mail), —
letters five cents, papers two cents.
To most Asiatic countries there are three
routes, viz: via San Francisco, via South-
ampton, and via Brindisi, and the rates
for each are given below in the above
order. Where but one rate is given the
prices are the same or there is but one
route. To Australia (e.xcept New South
Wales and Queensland, to ./hich by same
mail the rates are, letters twelve cents,
papers two cents), letters five, fifteen and
nineteen cents, papers two, four and si.x
cents; Hong Kong, Canton, Swatow,
Amoy, and Foochow, letters ten cents,
papers four cents ; other parts of China,
letters five, fifteen and nineteen cents,
papers two, four and six cents; Japan,
letters five, twenty-seven and thirty-one
cents, papers two, four and six cents;
India, letters ten cents, papers four cents;
Siam, letters ten, twenty-seven and thirty-
one cents, papers two, six and eight cents ;
Sandwich Islands, letters six cents, papers
one cent for each two ounces.
The maximum weight of a foreign post-
al packet is, for patterns of merchandise,
eight and three-fourths ounces ; for other
articles, except letters, two pounds and
three ounces. Foreign postal packets
must contain no article subject to customs
duties, and no gold or silver coin.
Prepay all postage, not only because in
soine cases the package will not be for-
warded unless prepaid, but because it is a
shabby thing to require a correspondent
to pay your postage. Write the address
very plainly ^lW^ fully. Be sure you give
the name of the post-office, and unless the
place is a large city give the county. In
writing a letter always begin as you wish
the answer directed, and sign your full
name. If people only knew how much
trouble and loss would be saved by follow-
ing these directions, the)^ would do it, we
feel sure. Remember there are many
post-offices of the same name, therefore
always give the State. Put the stamp on
the right-hand upper corner, and be sure
that it adheres firmly.
The fees for money orders on Great
Britain and Ireland, and Switzerland are as
follows : not over ten dollars, twenty-five
cents ; from ten to twenty dollars, fifty
cents ; from twenty to thirty dollars, sev-
enty-five cents ; from thirty to forty dol-
lars, one dollar ; from forty to fifty dollars,
one dollar and t,wenty-five cents. On
Germany, not over five dollars, fifteen
cents ; all others as above.
Note. — These are the rates for letter
packets not exceeding one-half ounce, and
in most cases for each newspaper not
weighing over four ounces ; the same rate
being added for each additional four ounces
where the weight is more, and for each
paper where it is less. Where there are
several routes with different rates, the one
paid for should be placed in the left-hand
upper corner of the packet.
34
I'^MS lfSM'^T(
g&if^m©
Hoiisel|ol(l Brie^a^Brac.
PlE-CRUST WITHOUT Lard. — Take
good, rich buttermilk, soda, and a little
salt, and mix just as soft as can be mixed
and hold together; have plenty of flour
on the inolding-board and rolling-pin ;
roll very thin ; then make and bake as
other pies, or rather in a slow oven, and
when the pie is taken from the oven do
not cover it up. In this way a dyspeptic
can indulge in the luxury of a pie.
Cheap and Good Vinegar. — As
good vinegar as any one could wish may
be made by mixing one part good New
Orleans molasses with four or five times
its measure of water, and to commence it
put in a little good yeast ; set it in a warm
place ; cover it with a gauze or muslin to
keep out the flies and give it the air ; stir
it often, the oftener the better, as it will
acidify the more rapidly, and in a few
weeks it will be sharp. It is nice for
pickles. When it is once started it is
very little trouble or expense to add to it
and keep a supply. Have used it for
years.
Cautions in using KEROSENE.-First,
use oil of well-known brands. Second, if
doubtful of its quality, float a little on
water heated to the test-point claimed,
and light it if you can. If it takes fire it
is unsafe. The water prevents any dan-
ger in this test. Third, use only lamps
where the flame is nearly three inches from
the oil vessel. Brass student lamps are
especially safe, because the flame is so far
from the oil reservoir. Fourth, it is a
mixture of air and kerosene vapor that
explodes. Therefore, do not let the oil
get very low in the lamp. Fifth, it is
dangerous to turn the wick low down, and
unhealthful, too, because the combustion
is imperfect, and disagreeable gases are
given off. Sixth, the cylindrical form of
wick is pronounced best by the Scientific
American.
A Pretty Way to Train Fuchsias.
— When a slip has grown six or eight
inches high, nip out the top down to the
last set of leaves ; it will then throw out
branches on each side. Let these grow
eight or ten inches, then nip them out as
before, the tops of each branch when
grown the same height as others, nip out
again ; then procure a stick the size of
your finger, eighteen inches in length ;
take hoop-skirt wire, twine back and forth
alternately through holes made in the
stick equal distances apart ; place this
firmly in the pot back of the plant, tie the
branches to it, and you will have, when
in flower, a beautiful and very graceful
plant. One trained in that way last season
was the admiration of all who saw it. —
Small Fruit Recorder.
Vienna Bread. — Sift in a tin pan four
pounds of flour, bank it up against the
sides, pour in one quart of milk and
water, and mix into it enough flour to
form a thin batter; then quickly and
lightly add one pint of milk, in which is
dissolved one ounce of salt and one and
three-quarter ounces of Gaff & Fleisch-
mann's compressed yeast ; leave the re-
mainder of the flour against the sides of
the pan ; cover the pan with a cloth and
set it in a place free from draught for
three-quarters of an hour ; then mix in
the rest of the flour until the dough will
leave the bottom and sides of the pan,
and let it stand two and a half hours.
Finally, divide the mass into pieces the
size you wish the loaves, let these remain
on the board half an hour to rise, then
bake in a pretty hot oven.
To be Handsome. — Eat regularly and
sleep enough — not too much. The stom-
ach can no more work all the time, night
and day, than a horse. It must have
regular work and rest. Keep clean. Sleep
in a cool room, in pure air. Remember
too, that no one can have a cleanly skin
who breathes bad air. But more than all,
in order to look well, wake up mind and
soul. When the mind is awake, the dull,
sleepy look passes away from the eyes.
Think and read, not trashy novels — but
books and papers that have something in
them. Talk with people who know some-
thing; hear lectures, and learn by them.
Men say they cannot afford books, and
sometimes do not even pay for a news-
paper. But men can afford what they
really choose. If all the money spent in
indulgences was spent in books or papers
for self-improvement, we should see a
change. Men would grow handsome —
and women too. The soul would shine
through the eyes.
-rH
35
Quick Prescriptions. — Prof. Wilder,
of Cornell University, gives these short
rules for action in case of acciden,t ; For
dust in the eyes avoid rubbing, dash cold
water in them ; remove cinders, etc., with
the round point of a lead-pencil. Remove
insects from the ear by tepid water; never
put a hard instrument into the ear. If
an artery be cut, compress it above the
wound ; if a vein is cut, compress it be-
low. If choked, go upon all fours and
cough. For slight burns, dip the part in
cold water ; if the skin be destroyed, cover
with varnish. For apoplexy, raise the
head and body ; for faintness, lay the per-
son flat. Somebody else says : Smoke
any wound or bruise that is inflamed with
burning wool or woolen cloth. Twenty
minutes in the smoke of wool will take
the pain out of the worst case of infl.am-
mation arising from any wound. Left to
itself, or other remedies, lock-jaw may
result.
Hydrophobia. — A German forest-
keeper, eighty-two years old, publishes in
the Leipsic Journal a recipe he has tried
for fifty years, and which he says has saved
several men and a number of animals
from a horrible death by hydrophobia.
The bite must be bathed as soon as possi-
ble with warm vinegar and water, and
when this has dried, a few drops of muri-
atic acid poured upon the wound will
destroy the poison of the saliva and re-
lieve the patient from all present or future
danger. Franklin Dyer, of Kent County,
Maryland, says elecampane root is a sure
remedy. Immediately after being bitten
take one and a half ounces of the root of
the plant, — the green root is perhaps
preferable, but the dried will answer, and
maybe found in our drug stores, and was
used by rce, — slice or bruise, put into a
pint of fresh milk, boil down to half a
pint, strain, and when cold drink it, fast-
ing at least six hours afterward. The
next morning repeat the dose, fasting, use
two ounces of the root. On the third
morning take another dose, prepared as
the last, and this will be sufficient. It is
recommended that after each dose nothing
be eaten for at least six hours.
Sunny Rooms. — Let us take the airi-
est, choicest and sunniest room in the
house for our living-room — the work-shop
where brain and body arc built up and
renewed. And let us there have a bay-
window, no matter how plain in structure,
through which the good twin angels of
nature — sunlight and pure air — can freely
enter. This window shall be the poem of
the house. It shall give freedom and
scope for eye and mind. We shall hang
no picture on our walls that can compare
with the living and everlasting pictures
which God will paint for us through our
ample window. Rosy dawns, golden-
hearted sunsets, the tender green and
changing tints of spring, the glow of sum-
mer, the pomp of autumn, the white of
winter, storm and shine, glimmer and
gloom, — all these we can have and enjoy
while we sit in our sheltered room as the
changing years roll on. Dark rooms
bring depression of spirits, imparting a
sense of confinement, of isolation, of
powerlessness, which is chilling to energy
and vigor ; but in light is good cheer.
Even in a gloomy house, where walls and
furniture are dingy and brown, you have
but to take down the heavy curtains, open
wide the window, hang brackets on either
side, set flower-pots on the brackets and
ivies in the pots, and let the warm sun
stream freely in, to bring health to our
bodies and joy to our souls.
Drying Flowers. — There are many
of our brilliant flowers, such as dahlias,
pansies, pinks, geraniums, sweet-williams,
carnations, gladioli, which may be pre-
served so as to retain their color for years.
White flowers will not answer well for this
purpose ; nor any succulent plant, as
hyacinths or cactus. Take deep dishes,
or of sufficient depth to allow the flowers
to be covered an inch deep with sand ;
get the common white sand, such as is
used for scouring purposes, cover the bot-
tom of the dish with a layer half an inch
deep, and then lay in the flowers with their
stems downward, holding them firmly in
place while you sprinkle more sand over
them, until all places between the petals
are filled and the flowers are buried out
of sight. A broad dish will accommodate
quite a large number. Allow sufficient
sand between. Set the dish in a dry,
warm place, where they will dry gradu-
ally, and at the end of a week pour off"
the sand and examine them ; if there is
any moisture in the sand it must be dried
before using again, or fresh sand may be
poured over them the same as before.
Some flowers will require weeks to dry,
while others will become sufficiently dry
to put away in a week or ten days. By
36
Twm mmm'-''T(Bmm maMmifm©,
this simple process, flowers, ferns, etc., are
preserved in their proper shape, as well
as in their proper color, which is far better
than to press them in books. When ar-
ranged in groups and mounted on cards,
or in little straw baskets, they may be
placed in frames or under glass. — T/ie
Floral Cabinet.
An old farm-house, with meadows wide
And sweet with clover on each side ;
A bright-eyed boy who looks from out
The door the woodbine wreathed about,
And wishes this one thought all day :
" Oh ! if I could but fly away
From this dull spot the world to see.
How happy, happy, happy,
How happy I would be ! "
Amid the city's constant din,
A man who round the world has been
Is thinking, thinking all day long:
" Oh ! if I could only trace once more
The field-path to the farm-house door.
The old green meadows could I see.
How happy, happy, happy.
How happy 1 would be ! "
Uses of the Lemon. — A piece of
lemon bound upon a corn will cure it in a
few days: it should be renewed night and
morning. A free use of lemon juice and
sugar will always relieve a cough. Most
people feel poorly in the Spring, but if
they would eat a lemon before breakfast
every day for a week — with or without
sugar, as they like it — they would find it
better than any medicine. Lemon juice
used according to this recipe will some-
times cure consumption : Put a dozen
lemons into cold water, and slowly bring
to a boil; boil slowly until the lemons are
soft, but not too soft, then squeeze until
all the juice is extracted, add sugar to
your taste and drink. In this way use
one dozen lemons a day. After using six
dozen the patient will begin to gain flesh
and enjoy food. — London Lancet.
To Keep Eggs Fresh. — Use a pickle,
or brine, made of lime, salt, and water, as
follows : three quarts of lime and one
Cjuart of salt, to three gallons of water.
Use fine clean salt, the best lime you can
get, and the purest water. Slake the
lime in a portion of the water, heated,
and add the rest with the salt. Stir well
several times and let it cool. Put the
eggs in a clean vessel and pour this over
them, adding a little at last that is milky
with undissolved lime. Cover with cotton
or linen cloth and spread the undissolved
lime over the cloth. The brine should
cover this sediment an inch or two. Keep
in a cool clean place. Families can buy
eggs when they are cheap and fresh, and
by this process keep them through the
season when they are poor and expensive.
Tomatoes. — By cutting back the ends
of the tomato vine as soon as the fruit is
sufficiently set to insure a plentiful crop,
the ripening season can be pushed to good
advantage. Not only will the fruit ripen
sooner, but it will be of finer size and more
perfect development. If possible, the
fruit should be ripened on the vines. The
flavor is so much richer when so ripened,
that it is worth while to take extra pains
in order to protect it so that it may ripen
in its natural state. Throw the branches
you cut off about your peach-trees — the
odor will drive away the curculio. A tea
made from the leaves and sprinkled on
plants, will drive away insects.
Grape-vines should be trimmed at
least once each year — between New-Year's
and the ist of March. Remove all un-
ripened wood, which will usually leave
three or four buds at least on the canes
that are to produce the next year's fruit.
Cut off all but the most vigorous branches
entirely, and leave the remaining ones
about eighteen inches apart. Prune with
a sharp knife, making a smooth slanting
cut. In cutting unripened wood from
branches left on, cut two or three inches
beyond the last bud which you wish to
have bear.
Upon the sadness of the sea.
The sunset broods regretfully ;
From the far, lonely spaces, slow
Withdraws the wistful afterglow.
So out of life the splendor dies ;
So darken all the happy skies ;
So gathers twilight, cold and stern :
But overhead the planets burn.
And up the East another day
Shall chase the bitter dark away ;
What though our eyes with tears be wet !
The sunrise never failed us yet.
The blush of dawn may yet restore
Our light and hope and joy once more.
Sad soul, take comfort, nor forget
That sunrise never failed us yet !
— Celia Thaxtcr.
m'^Ms mM^-''w®MM mmMSMm©,
37
Life Insurance Topics,
Tl[e Fatl| of Safety.
Mr. Lincoln once proposed to Congress a
plan for the adjustment of the difficulty between
the North and the South, and speaking of its
cost compared with the cost of war, said : " It
is much, very much, that it would cost no blood
at all. Other plans might succeed ; this could
not fail." There are many persons who fail
to appreciate the value of safety. They have
to choose, every now and then, between two
courses, one of which is safe, while the other
seems to hold out inducements of greater gain
or greater pleasure. And just here thousands
make shipwreck of life and happiness — not
only their own but that of many who are dear
to them. For if there is one fact more im-
portant than another in the relations of indi-
viduals to one another, it is that no man stands
alone and_ no man falls alone. The bitter
waters of a single sorrow, or a single shame,
or a single crime, or a single mistake, cannot
be pent up within a single life, but they spread
abroad to poison 'all they touch.
Life is too short and too precious to be
carelessly used or heedlessly thrown away.
We do not wonder that the old look with
anxious misgivings upon giddiness and folly
in the young. They see how many mistakes
can never be repaired, how many errors can
never be retrieved. They see that in most
things there is a safe way, and that it is not
difficult to find, nor to pursue, if one sets his
heart on it. This is true in many other things,
and it is true in the matter of life insurance.
Most men can render their own welfare and
that of their families — if they have any —
SAFER by life insurance in a good company,
and they can find a good company. In the
words of Mr. Lincoln, " Other plans might
succeed; this could not fail." And is there
not something akin to blood-guiltiness in the
neglect that leaves to the innocent and the
helpless, a heritage of poverty, of ignorance,
and, perhaps, of consequent crime ? The cost
of $i,ooo or $2,000 in insurance is but little
each year in money; " It is much, very much,
that it would cost no blood at all."
Steadily and (xraadly.
During the first six months of the present
year the death-claims paid by the New-York
Life Insurance Company amounted to
$796,122.36. During the corresponding six
months of 1876 they were $793,122, and during
the same period in 1875 they were $776,072.
That's what we call a steady business. The
company is growing, and naturally and prop-
erly its death-claims are slowly increasing.
There is something grand and re-assuring
in this steady record of claims paid as it goes
on quietly from day to day, from week to week,
from month to month, and from year to year.
Last year the companies doing business
in New-York State paid in death and endow-
ment claims over $24,000,000, in 1875 over
$26,000,000, and in 1874 over $24,000,000.
All this was done quietly ; the widow and the
orphan come and go in silence. The home
does not pass under the auctioneer's hammer,
and all is quiet there. The boys do not go out
to work nor the girls stay at home to sew.
They go to school, as before, until they are
fairly prepared for actual work, and then go to
it with strong arms and hopeful hearts — and
it is the money received from life insurance
that enables them to do so, and which prevents
a change in their habits that would in many
cases prove disastrous to their best interests.
And the money these policies cost! — how
much was it and when was it saved? For the
$796,122.36 received by beneficiaries from the
New-York Life Insurance Company during
the first half of 1877, there was paid as pre-
miums, dividends received being deducted,
$265,767.95. Here' was a clear gain, there-
fore, of .$530,354.41. In short, the policies
returned about three dollars for every dollar
paid out. And the money these policies cost
was paid while husbands and fathers were
alive, — sometimes, we doubt not, from an
abundance, sometimes from a scanty hoard, —
but it came back at the saddest, and, in many
cases, doubtless, at the neediest hour those
families ever saw, and came back in more than
"Scripture measure."
38
"WW]
■MMW^W®MM M^WMMM^B.
Twelve Year§ of Life IiisuraEce.
On the 31st day of December, 1876, there
were forty-one life insurance companies doing
business in the State of New- York. These
were not all the companies then doing busi-
ness in the country, nor had all of these forty-
one done business in this state during the
whole period of their existence ; but during
the twelve previous years they reported to the
Insurance Department the receipt of nearly
one thousand million dollars ($946,711,470),
the payment of death and endowment claims
amounting to over one hundred and sixty mill-
ions ($163,848,147), and payments in divi-
dends and for surrendered policies to the
amount of over two hundred and seventy mill-
ions ($273,708,833). -They had in force at
that time over seven hundred thousand (716,-
294) policies, insuring nearly two thousand
million dollars ($1,754,961,291), and for the
security of these contracts they held assets to
the amount of over four hundred millions
($412,145,523), being sixty-two million dol-
lars ($62,580,383) more than was required by
law.
Whether we regard the magnitude of the
business, the great number of persons who
give it their confidence by patronizing it, or
the incalculable benefits which have resulted
from its operations, this record of twelve
years must deeply impress every thoughtful
reader. That men should have voluntarily
relinquished the use of so much money in
order to provide for a contingency that almost
universally sterns remote or improbable, cer-
tainly shows that security against it, in case it
comes, is deemed a boon of great price ; while
the immense amounts already paid out by the
insurance companies in death-claims show
how much greater the hazard actually is than
it seems, and how perfectly life insurance
provides adequate security against it. Who
can compute the moral and social, and even
the economical, value of those one hundred
and sixty-three million dollars, paid to families
within three months after the death of the
husbands and fathers ! From what pecuniary
embarrassments, from what stinting in the
education of children, from what overwork by
sad-eyed women, from what social distress,
from what pinching poverty, from what goad-
ings of hunger, and consequent crime and
degradation, — thousands upon thousands were
saved by these timely payments, no one can
know or adequately imagine.
The statement is made, on good authority,
that one life company, and that by no means
the largest in the country, has a record
showing that its payments to bereaved fami-
lies have saved four thousand three hundred
and sixty-one farms, paid off mortgages on nine
thousand and twelve dwellings, extinguished
the indebtedness on eight thousand estates and
enabled twenty-one thousand business men to
continue in business by using life insurance
policies as security. It is no wonder, therefore,
that life insurance is widely patronized. Men
see that it can do for them what nothing else
can and what urgently needs to be done. The
man with a family, and with but little property
that would be available for their support in case
of his own sudden death, can, by means of life
insurance, make instant provision for them, to
an amount from ten to fifty times the sum he is
able to pay annually. Nothing else gives
security at once, and a man in these circum-
stances cannot wait.
Tliree Practical Questioas.
1. Do I Need Life Insurance?
We do not wish to answer this question for
our readers, but rather that every one should
be fully persuaded in his own mind. Let every
man consider it and answer it in the light of
the facts as he, and he alone, knows them. To
this end let us consider, what good thing can
life insurance do for a man, that any one
should need it ? It can do this :
1. It can convert a small sum of money
and \\v& probability of long life into a large sum
of money in case of early death. Example :
A man, under thirty-three years of age, who
can save but $25 per year, can, by investing that
sum annually in life insurance, make sure of
leaving his family $1,000 or more at his death,
no matter when that may occur. Were the
same amount put at interest at six per cent.,
and compounded annually, it would not amount
to $1,000 until sometime during the twentieth
year after the first $25 were put at interest.
2. Generally : By life insurance a man can
secure his family against the poverty that
'm^'W®MM M
39
would follow his death during any part of that
period in which he would be likely to leave
them least property, and in which they would
need most.
The question as to whether a man needs life
insurance or not depends, therefore, upon the
number and condition of his family, or those
who look to him for pecuniary support, and
upon the amount and the condition of his
property. The following propositions seem
clear and reasonable :
1. Every man knows, or may know, about
what it costs him now to take care of his fam-
ily, and whether it would cost more or less
were he to die.
2. Every one may know, approximately at
least, whether his property, without his per-
sonal care, would yield the required sum or
not.
3. If what a man has would not be sufficient
for the support of his family in case of his
death, or would not be readily available for
that purpose if needed, it seems to be a neces-
sary conclusion that he needs life insurance.
The following considerations ought also to
be allowed their due weight and influence :
1. In considering this question it is evident
that a man ought to give his family the benefit
of every doubt, taking all risks upon himself
and paying for them while he lives, since the
sole object of the inquiry is to remove risk
from his family.
2. The desirability of life insurance is
greatly enhanced by the fact that the proceeds
of a life policy become available at a time when
money is apt to be greatly needed, even though
the insured may have left considerable prop-
erty. The necessity of ready money at such
a time often leads not only to great embarrass-
ment in the matter of current expenses, but
also to great sacrifices of business and mort-
gaged property.
3. The proceeds of a life policy, if not un-
reasonably large, are secured by law to the
beneficiaries named therein, and cannot be
taken for the debts of the deceased.
2. What Kind of a Policy Do I
Need ?
The question /low /nur/i life insurance a man
needs is evidently involved in the question
wjiether he needs any or not, and the same
process of thought which answers the one, if
put into figures, will answer the other.
What kind of a policy a man needs depends,
Jirs^, upon how much money he can afford to
put into life insurance each year ; and second,
upon how soon, in what way, and to what
extent the condition of his dependents will
change. Policies for the same amount and
the same person differ chiefly in three respects
— the amount to be paid each year, the num-
ber of yearly payments to be made, and the
time when the policy is to be paid by the
company.
1. The sum to be paid each year for a given
amount of insurance is smallest on a Whole
Life Policy ; but it is to be paid every year
until the death of the insured, unless the
policy is exchanged for a paid-up policy.
2. Upon Limited Payment Life Policies
and upon Endowment Policies payments are
made for a certain limited number of years
only, this number being fixed upon at the time
of insuring. Should death occur prior to the
termination of this period, all payments to the
Company cease.
3. All policies are payable at the death of
the insured, or sooner. Endowment Policies
being payable at the end of the Endowment
period, unless rendered payable before that
time by the death of the insured.
A Whole Life Policy gives a man the most
insurance for a given sum in hand and to be
paid annually ; a Limited Payment Life Policy
may be paid up while the insured is still
young and in active business ; an Endowment
Policy provides insurance for one's family
while they need it, and is paid to the insured
himself, if alive, at the end of the endowment
period, when he may need it. For fuller
explanations see pages 46 and 47.
3. Is the " New- York Life " a Good
Company to Insure in ?
It is an old company, having been in busi-
ness since 1845, ^'^^ its record admits of the
application of a variety of tests which ought
to be conclusive as to its character.
I. It owns more than it owes ; its surplus,
January I, 1877, according to its own stand-
ard,— the highest used in this country, — was
$2,626,816, exclusive of $517,504.84 s[)ecially
reserved as a cfliitingent liability to its Tontine
40
"WW]
;W^X©MK M'^MMMM^D^
Dividend Fund. According to the New-York
State standard, the estimate being made by
the Insurance Superintendent, after a thorough
examination of the Company, its 7iei surphis
was $5,962,878.79.
2. It is one of the few Hfe insurance com-
panies in the country that is, and always has
been, purely nnitnal, dividing all surphis
among pohcy-holders. Among this class of
companies there has never been a single fail-
ure of importance, and but very few of any
kind. Every such company that has attained
any considerable age or size, remains unto the
present day. In such a company the trustees
and officers are merely arbitrators between the
members, having no pecuniary interest in the
questions they decide between individual
members, on the one hand, and the company,
which is composed of all the members, on the
other. There are no stockholders to share the
surplus, or to interfere in the management to
the detriment of the interests of policy-holders.
It ought to be remembered that of all the
recent and scandalous failures in life insur-
ance, ttot one has been a pjirely ??ijttual com-
pany.
3. The history of the company and the
present condition of its business show a right
drift or tendency, in the following particulars :
(i.) Its expenses, including taxes (which
some companies omit in estimating " expenses
of management "), have always borne a small
ratio to its income. During the last three
years this ratio has averaged only 9.32 per
cent. During the same period less than half
a dozen companies doing business in New-
York State have used less than ten per cent,
of their income, and during 1876, nineteen-
twentieths of these companies used over ten
per cent. The average of the expense ratios
of all the companies, as above, was 20.70 per
cent.
(2.) It originated in i860 the system of
non-forfeiture policies, under which persons
who are obliged to discontinue, and who sur-
render their policies do not lose the benefits
which should equitably accrue for the payments
already made. Though other companies have
adopted this idea in various forms, since its
popularity made such a course necessary, its
modifications have not ahvays been wise or
even safe. The system as introduced and
perfected by the New-York Life secures
safety to the company (without which there is
no safety for policy-holders) and justice to the
insured.
(3.) Its expenses having been small, and
the company being purely mutual zxA liberal
in its dealings with policy-holders, its pay-
ments to policy-holders in dividends and in
returned premiums on surrendered policies
have been large, aggregating during thirty-
two years the immense sum of $21,894,280.91.
(4. ) Its death-claims, though not excessive
in proportion to the number of lives insured,
have amounted to $15,792,824.91, very few
claims having been contested — the rule of the
company being to contest claims only for
fraud, when their payment would be unjust to
other policy-holders.
(5.) Though its payments in death-claims
have been thus large, they have been very
nearly covered (entirely so during the last
seven years) by its receipts from interest
alone, showing a constantly prudent invest-
ment of its assets. During the year 1876,
when money was a drug in the markets of the
world, its assets yielded on an average over
six per cent, interest.
(6.) It continues under the same manage-
ment which guided it through the perilous era
of the inflation and contraction of the cur-
rency, and under which it has enjoyed con-
stant prosperity. Its business has fallen off
but little on account of the "hard times," nor
has the recent "scare in life insurance" af-
fected its reputation for unquestioned sound-
ness and fair dealing.
( 7. ) To sum up : The New- York Life is an
old company, a large company, a souttd com-
pany, 2i.pu>-ely mutual company, a company in
which the expense rate is low, a company that
deals equitably with its patrons, and a company
that in its history and present condition shows
the fruits of wise and honest management.
For further evidence as to the Company's
condition and tnanagement, see the Report of
the Superintendent of Insurance,which follows.
Special attention is called to two significant
statements made therein : ( i ) the Company's
own report of its condition was found " true
to the letter;" (2) its system of internal
management "seems to be perfect," and
renders fraud practically impossible.
TMm mM^M^W®MM M^MMMM(S^ 4i
REPORT
SUPERINTENDENT OF THE INSURANCE DEPARTMENT
Of the State of New- York,
ON THE
Examination of the New-York Life Insurance Company,
OF NEW-VORK CITY.
Insurance Department,
Albany, October 24th, 1877.
The Superintendent having personally, and through the services of the Deputy Superintendent,
aided by the force of the Department, commenced and completed a searching examination into
the aifairs of the New-York Life Insurance Company of the City of New^-York, it affords
him unqualified pleasure at being able to announce and make public the gratifying fact that the
result of this examination is most satisfactory, and that, from the data in possession of the
Department, the solvency of this, or other companies undergoing a similar test, can be readily
ascertained, at little expense, for many years to come.
This Company was organized in 1845, and no investigation having been made, either by the
Department or other properly constituted public authority, prior to the date when the Department
was formed, much time has necessarily been expended to bring the matter to a conclusion.
The services of forty-one gentlemen of character, standing, and experience, have been pro-
cured, who have valued and appraised the property situated in forty counties in this State and in
the State of New Jersey, covered by 2,629 mortgages amounting to the sum of $17,354,847.84,
and forty-nine pieces of property owned by the Company amounting in value to the sum of
$2,541,576.46; which services have been intelligently and efficiently performed. The abstracts of
title to each and every piece of these large amounts of property have been closely examined and
reported on to the satisfaction of the Superintendent. All other investments, amounting to
$10,311,045.67, have been carefully looked into, and evidence of payment by the Company, either
by check or otherwise, for such investments, demanded and given, although many of these pay-
ments were made twenty years ago. The cash securities of the Company, the cost of which on
the books amounts to $9,730,529.91, are of the most unexceptionable character, and are worth
$580,515.76 more than cost.
The Superintendent personally examined these securities, taking the letter, number, and
denomination of each security, and preserving the record of the same in the Department. In
every instance where securities had depreciated in value, such depreciation had been promptly
charged to profit and loss account, and all items of doubtful character had been stricken off by
the Company from its assets, and omitted from its reports. Complete seriatim lists of policies,
premium loans, and uncollected and deferred premiums have been made, and are on file in the
Department.
LIABILITIES.
Every item of liability, real and actual, or contingent, as sworn to by the officers in the last
Annual Report made to the Department, a copy of which is herein embraced, has been closely
r^^®MlS M^MM'MM^B^
scrutinized, and the statements in said report found to be true to the letter, and no other liabilities
were found to exist.
MISCELLANEOUS.
The different Departments — Medical, Actuarial and Agency — have been reviewed, with the
most satisfactory results — gentlemen entirely competent and assiduous having been found in
charge of each branch, to whose conduct and performance of their duties much is due.
Agents collecting funds of the Company at different points are held to a rigid accountability,
remittances being required at the larger points tri-weekly, while at the smallest points settle-
ments are not allowed to be delayed longer than one week. Bonds are required where the sums
handled are sufficient to justify the same.
The system of book-keeping adopted by the Company, after many years of experience, seems
to be perfect, — the checks by one division on another being so complete, that no wrong can be done
to policy-holders by false entries of any kind short of wide-spread collusion among many employes,
all of .whom were found to be exceedingly courteous, and, acting under instructions from the
principal officers of the Company, were prompt in furnishing full information as to every detail.
Judged by the hardest test that could be applied under the law, and with every doubtful item
eliminated from their resources, the net surplus, as shown by the detailed statement of this
Company, which follows, amounts to $5,962,878.79.
This exhibit clearly establishes the fact that where a Life Insurance Company is honestly,
ably and prudently managed, there is no occasion to force a showing of solvency by including in
its assets prospective value of real estate, and excesses of premium payments to be received.
For the reasons above given, the Superintendent has no hesitation in stating that this great
Corporation is entitled to public confidence and its officers to his warmest commendation.
ASSETS.
Real Estate $2,473,087 . 50
Bonds and Mortgages 1 7,205,232 . 84
Stocks, Bonds, etc., owned by the Company :
Cost Value. Market Value.
Merchants Bank, N. Y., stock $15,758.75 $16,100.00
Bank of America, N. Y., stock 8,484.00 10,164.00
Bank of the Republic, N. Y., stock 1,470.00 1,470.00
American Exchange Bank, N. Y., stock 10,125.00 10,500.00
Metropolitan Bank, N. Y., stock 5,381 .25 6,400.00
United States Bonds 3,792,113.97 3,892,763.34
Central Park Loan 25,233. 75 26,750.00
Delaware and Hudson Canal Co., stock 44,800.00 44,800.00
Delaware and LIudson Canal Co., bonds 400,000.00 400,000.00
New-York Street-Opening bonds 549,967.10 576,110.00
New-York County Bounty bonds 41,104.00 42,000.00
New-York City consolidated bonds 645,596.25 745,875.00
New-York County consolidated bonds 1 13,928. 75 131,625 .00
New- York City (Morrisania & West Farms) b'ds, 60,000.00 60,000.00
New-York Central and Hudson River R. R. b'ds, 1,019,382.50 1,170,000.00
New- York and Harlem R. R. bonds 1,074,075.00 1)178,333.33
Brooklyn City bonds 983,144.80 1,024,700.00
Jersey City bonds 442,425.00 450,590.00
Yonkers Town bonds. 178,479.16 183,700.00
Newark City bonds 129,875.00 131,210.00
Carried Forward, $9,451,344.28 $10,103,090.67
M'^mMWM®^
43
Cost Value. Market Value.
Brought Forward, $9,541,344.28 $10,103,090.67
Flushing Water bonds 77,600.00
Rensselaer and Saratoga R. R. bonds 9,519.92
Eastchesler bonds 5,000.00
Richmond City bonds 46,250.00
Tennessee bonds 8,000.00
Georgia bonds 2,730 . 00
Alabama bonds 15,840 . 00
South Carolina bonds 8,960 . 00
Mississippi warrants 15,285 . 71
80,000 . 00
10,155.00
5,000.00
56,500.00
8,000 . 00
3,500.00
15,840.00
8,960 . 00
20,000 . 00
Totals $9,730,529.91 $10,311,045.67 10,311,045.67
Premium Notes and Loans $781,585
Cash in Banks and Trust Companies 1,427,933
Interest due and accrued on Bonds and Mortgages
Interest due and accrued on Stocks and Bonds
Interest due and accrued on Premium Notes and Loans
Rents due and accrued
Premiums due and unreported $125,027.15
Premiums deferred 432,695 .40
224,052
42,320
25,709
8,476
Total $557,722.55
Deduct 20 per cent, estimated cost of collecting above 111,544.51
Net amount $446, 1 78 . 04
Total admitted Assets $32,945,621 . 30
Items not admitted :
Agents' Balances $36,154. 19
Cost value of Real Estate over present appraised values 68,488.96
Loans on Mortgage in excess of present value 149,605 .00
Total $254,248.15
Total Gross Assets $33,199,869.45
LIABILITIES.
Death Losses and Matured Endowments not due
Death Losses and Claims resisted
Premiums paid in advance
Estimated liability on Lapsed Policies
Net Re-insurance Reserve
$418,393.19
97,200.00
17,035^-32
10,000.00
.26,440,1 II .00
Total Liabihties $26,982,742.51
Surplus as regards policy-holders, on the basis of admitted assets as determined
by this report $5,962,878.79
Surplus as regards policy-holders on the basis of total assets, as reported by the
Company $6,217,126.94
Estimated Surplus of Tontine policy-holders included in the above $ 517,504.84
JOHN F. SMYTH, Superintendent.
44
TMM mMW^W<BMM M^W&MM(Q.
Tl|e Signifieanee o! Eatios.
Men do not call a horse good simply because
he has a good /tead, nor simply because his
legs are good, nor simply because he is sound
in ■wind. A good horse is one that has a
combination of good qualities ; the lack of a
single essential quality reduces in a very appre-
ciable degree the horse's value. A certain
proportion must also be observed ; a large
head and large legs are desirable in a horse
only when the body is large also. The same
rule applies to life insurance companies ; a
good company must have a combination of
good qualities, and there must be something
like proportion and harmony among them.
If a life company has large assets it should
have a large surplus — the proportion between
assets and liabilities should be looked to.
Again, these assets should be so invested that
the principal is safe, and the interest promptly
paid. If a large percentage of interest long
remains due and unpaid, it gives rise to the
suspicion that the property loaned upon may
have largely depreciated, that the investment
will yield no interest for some time, even if it
finally returns the principal.
If the death-claims bear a very small propor-
tion to the insurance in force, it should be
noted whether this is really due to a careful
selection of risks, or whether the company is
yet too young to have allowed the law of mor-
tality free scope. A new company ought to
show a much lower ratio of death-losses to
insurance in force than an old one.
A low ratio of expenses to income is a good
text of the management of a life company, yet
it must be considered in reference to the inter-
est realized on assets, and the amount of new
business done, as the company spending little
may also do little new business which costs
most, and it may be getting but a low rate of
interest. To expenses should be added taxes.
The yearly expense of carrying $i,ooo insur-
ance is another good test, but here also the
question of whether the business is new or old
must be considered, and also the fact that, some
companies make a specialty of certain kinds of
policies, which affects this ratio one way or the
other. This should also include taxes.
The payment to policy-holders of large
amounts in dividends and return premiums
on canceled policies is usually an evidence of
good management, since the amounts returned
as dividends show in what proportion the cost
of insurance is reduced from the table rates,
and the amounts paid for canceled policies show .
how liberally the company treats those who
discontinue their policies. But there is a great
danger here also. A company may pay too
much in this way for its own safety. The
largest life company that ever failed in this
country, paid during the ten years preceding,
as large dividends as some of the best and
strongest. The safety of the company must
be first considered, else it drags all down with
itself.
Then, let it be always remembered, that in
life insurance, averages and ratios give no
definite information whatever, unless they are
based upon considerable experience, and that
77iore than one is needed to show the standing
of a company. The New-York Life has been
doing life insurance business thirty-three years ;
its experience covers very nearly the life of a
generation, during which the country has been
convulsed with war, business twice depressed
by panics, and undreamed-of changes taken
place in the business world, by reason of the
wonderful development of the great West, and
the discovery of gold in California. Any one
can see that ratios and averages made from its
business during that time have a significance
that those of younger and smaller companies
must of necessity lack.
We ask the reader to bear these considera-
tions in mind while consulting the column of
averages given on the opposite page. On
account of lack of space there, we add here
some important ratios :
Amount of interest due and accrued, but
uncollected, on each $ioo of real estate loans,
New-York Life $1.29.
Average of this item, on same amount, for
the twenty-eight other companies doing busi-
ness in this state, December 31, 1876, which
report this item by itself. $3.91.
Amount of interest due and accrued, but
uncollected, on each $100 of a'// securities held
by the New-York Life $0.96.
Average of this item, on same amount of all
securities, for eight companies which report
unpaid interest on all securities in one item,
$2.17-
M'ffiW^I^®^!! M^WMMM^B.
45
A TABLE SHOWING THE
Progress of the New-York Life Insurance Co.
Amount of Insurance Effected, the Income of the Company, the Sums Paid to Policy-holders and
their Families, and in the Sums Held and Invested for the Benefit of Living
Policy-holders, during a period of Thirty-two Years.
Number
Received
Period.
of Policies
Issued.
Amount Insured.
Premiums Received
from Interest,
Etc.
1845 to 1849 — five years.
4.767
$8,116,349
$410,378.07
$13,395-17
i85>j to 1854 — five years.
5.448
12,677,702
1,544.-^64
75
361,775.96
1855 to 1859 — five years.
3.404
12,077,437
1,939,292
SI
181,453.66
i860 to 1864 — five years.
15,104
38,517,842
4,250,964
45
756,708.15
1865 to 1869 — five years.
38,918
126,964,416
16,941,695
69
2,737,397-90
1870 to 1874 — five years.
43831
127,276,323
30,639.982
99
6,235,613.66
1875 & 1876— two years.
13.543
42,026,301
11,979,843
68
3,777,608.29
Totals
125,015
$367,656,370
$67,706,222. 14
$14,063,952.79
Paid to Polici
^-holders in —
Assets
Average Annual
Period.
at the end of each
Increase of Assets
Dividends and Ret'd
Period.
Death-claims.
Premiums on
Canceled Policies.
1845 to 1849 — five years.
$112,398.00
$1,300.47
$320,581.27
$64,116.25
1850 to 1854 — five years.
645,000.09
371,805.31
902,062.70
116,296.28
1855 to 1859 — five years.
870,391-57
246,873.15
1.769.! 33 -24
173,4(4.10
i860 to 1864 — five years.
1,153,724.29
867,984.66
3,741,078.48
394,389.05
1865 to 1869 — five years.
3.039,725-77
4,237,570.71
13,327,924.63
1,917,363.23
1870 to 1874 — five years.
6,899,121.94
11,170,368.49
27,348,667.08
2,804,148.49
1875 & 1876 — two years.
3,072,463.25
4,998,378.12
33,311,413.96
2.981-373-44
Totals
$15,792,824.91
$21,894,280.91
Assets, Jan. t. 187
7, $33,311,413.96
The following table shows the Company's condition at the end of 187C, and the progress made during that year.
As this table and the succeeding ratios were made up and printed befbre the close of 1877, they could not include the
business of- tha; year.
CONDITION DECEMBER 31, 1876.
Number of policies in force, 45,421
Total amount insured $127,748,473.00
Cash assets 33,3 1 1 ,41 3 . 96
* Surplus, Company's stand'd, 2,626,816.00
* " N. Y. State « 6,180,972.75
* Exclusive of the amount (517,504.84) specially reserved
as a contingent liability to Tontine Dividend Fund.
PROGRESS, Etc., 1876.
Increase in No. Policies in force, 760
// in amt. of-insurance held, $1,616,354.00
// in interest receipts 36,291.61
// in assets 3,144,511.27
// in surplus 127.159.27
Excess of int't over death-cl'ms 359-301 -53
The NE'W-YORK LIFE and other Life Companies doing business
in New- York State, December 31, 1876.
N. Y. Life.
Expenses for every $100 income, during the year 1876 $9-58
Assets // y liabilities, a> tiic end of the year 1876 122.92
Surplus // /I II II II II 22.53
Expenses and Taxes for every $1,000 of insurance carried during the year 1876, 5 -90
See anicle "Significance of Ratios," page 44.
Aver.-xgc
of all others.
$13-03
117. 17
17.21
7.07
46
W'MS lfl!M"^'F®ffilf maMMH^
MANAGEMENT
OF THE
NEW-YORK LIFE INSURANCE CO.
From THE INDEX,* May, 1877.
So MUCH has been said lately in disparagement of some of the best life insurance companies, on
account of the salaries paid to the officers of these institutions, that we deem it proper to note the
honorable exceptions that should be made, and to protest against the wholesale attacks that are so
unwarrantable in the face of facts, which if generally known would place these institutions in an
entirely different light. To the end that worthy men may not continue to be so misrepresented, we
have taken great pains to examine into the history and progress of life insurance in this country,
and set some of the facts in potent form before the public. In our last number we called attention
to the Mutual Life and the Equitable, and as a continuation of our ardcles we now select the
New-York Life.
No life company in the country, probably, better illustrates by its history the rapidity and safety
with which a large business can, through able management, be built up, provided the foundations are
well laid, than does the New-York Life Insurance Company, and in an historical examination
this point seems to be the one which should be most prominently presented to the reader. The history
of this company is broadly divisible into two periods, the first extending from the date of the issue of
the first policy — .-Vpril 17, 1845 — -to 1863 ; and the second from 1863 to the date of the last statement —
December 31, 1876. During the first period the company had three presidents, the first, J. De Peyster
Ogden ; the second, A. M. Merchant ; and the third, Morris Franklin, who remains president to the
present day, having held the position during the entire second period. We make our division, how-
ever, at the date of the retirement of Pliny Freeman, the first actuary, from that office, and the election
thereto of William H. Beers, which occurred in 1863, because from that time there is such a marked
change in the progress and growth of the company as to designate the date as that of a change in the
management of its affairs.
As we have said, the company issued its first policy, April 17, 1B45. Its business for the balance
of the year aggregated four hundred and forty-nine policies. The business continued to be trifling
compared with what has since been done, to the very close of the first period, the issue of policies
dropping in 1855 to four hundred and seventy-four, and never, save in the last year, rising to two
thousand. At the close of 1848 the assets were but $114,428, and at the close of 1862 but $2,596,246.
This period, which it will be noted covered eighteen years, brought to the company an income of
$6,566,030, from which it had paid death-claims amounting to $2,170,464, or above thirty-three and
one-half per cent, of the income. During the same period it had issued 19,698 policies, of which but
7,740, covering $22,302,000 of insurance, were in force at the close. The income during the last year
was $759,568 from premiums, and $134,713 from interest, making a total of $894,281 ; while the death-
claims paid amounted to $169,297.
The first year of the second period, 1863, brought a marked change. The issue of policies rose to
4,675, covering $11,339,234.45 of insurance ; the income was increased to $1,162,191.19, of which
$1,016,460.22 were from premiums; the assets at the end of the year were $2,705,666.74, and the busi-
ness in force 9,956 policies, insuring $26,196,190.55. The amount paid on claims and losses during
this year was $297,105.58, and the total payments to policy-holders were nearly $900,000. The busi-
ness had been given a new impetus. The company was one of the oldest in the country, but in
amount of business some of its competitors had outstripped it. No company enjoyed a higher repu-
tation for fair dealing and for complete trustworthiness, but the possibilities which its reputation and
its age offered had never been developed. The change thus inaugurated was the opening of a new
period of growth, prosperity, and usefulness to the New-York Life. In the fourteen years since
Mr. Beers was made actuary, during which there has devolved upon him the management of the
company, it has issued 105,317 policies; has had an income of $75,204,145 ; has paid in death-claims
5^13,622,361 ; has increased its business in force to 45,421 policies, covering $127,748,473 of insurance ;
has increased its annual income to $7,817,991, its assets to $33,311,414, and its surplus to $6,328,671.
* " The Index," a monthly Insurance Journal, published by W. T. Tillinghast & Co., 28 School St., Boston,
and 149 Broadway, New- York.
'
'
1
'
^T
^MM MSW^"¥'®Mlf maMS.Mm(B« 47
In the meantime the percentage of its death-claims to income has dropped from thirty-three and one-
half (33K) to eighteen and one-half (i8j^) per cent., and its ratio of expenses to income from fourteen
and one-half {14K) per cent, in 1862 to nine and one-half (g%) in 1876, thus indicating that the
increased business has brought to the policy-holders increased security and economy, and not a
heavier burden of poorly selected risks and a larger outlay in the cost of the business, as is too fre-
quently the case.
Turning now from the marked contrast between these two periods in the company's history to
that history as a whole, we still find it well to present the aggregates of the two periods in close
proximity, before making up from them a grand aggregate of the entire business from organization to
the close of 1876.
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A more remarkable contrast than that presented by the above tabulations we do not think that the
history of any life company of the country would present. To make it yet more complete we present
the following, showing the average annual business of each of the two periods into which we have
divided the company's history :
First Period. Second Period.
Average number Policies issued 1,094 7623
" Insurance $2,496,727 $23,051,092
" Premiums received 313.947 4>432,5i2
" Gross receipts 364,779 5i37i.72S
" Death-claims and Endowments 120,581 973,026
" Death-claims, dividends, etc., to policy-holders 152,493 2,532,121
To which we add other important comparisons :
Percentage of Death-claims to Income at end of periods 335^ i8j4
" " Expenses and Taxes to Income at end of periods. . 14}^ g}4
In calling attention to this contrast we wish to mark plainly the distinction between simply a large
business and a large, healthy business. There are companies which have done annually so large a
business as to startle the insurance world into attention, but which, it was apparent, were doing this
amount of business simply because it was done recklessly and with a view only to present results. On
the other hand, the Nevv-Yokk Life has done a large business because it has observed the laws of
business, because it has been careful in the selection of its risks, wisely economical in its expenditures,
and because the position it held, and the record of thorough trustworthiness which lay behind it, gave
it a prestige which made it possible to do a large business and at the same time a healthy one. With
energy and experience in the management of the company, the result which we have shown was made
Ijossible, and the large business which has been done has proved a source of strength, not of weak-
ness, to the company. As will be seen, the returns to policy-holders have been large. How they com-
pare with the payments made by the policy-holders to the company, the following tabulation shovys in
a concise manner :
Amount received by the company from policy-holders $67,706,222
Amount of policy-claims paid $15,792,825
" '• other payments to policy-holders 22,201,745
Total payment to policy-holders 37.994.570
Excess of premium receipts over payments to policy-holders $29,711,652
Assets December 31, 1876 33,311,414
Excess of assets $3,599,762
That is, including what assets the company now has on hand, all of which belong to and are
invested for the policy-holders, since the company has no stockholders, the company's transactions
have netted to the policy-holders $3,600,000 more than they have paid into the treasury, while there are
still outstanding contracts for the payment of $127,748,473 more of insurance.
One of the points which may well be made from the above exhibit is the value to policy-holders of
officers who are able, through their ability, executive power, and experience, to work such results.
The company had never failed to give its policy-holders full protection up to the time that Mr. Beers
became actuary, but without the masterly management and strong brain-power which was then added
to the executive force of the company, it could never have held the place which it has held amid the
rush of competition which late years have witnessed ; it never could have become the great company
that it now is, — a company which is paying annually millions and millions of dollars to its policy-
holders and their heirs, a company which is everywhere recognized as among the first in the land, a
great and a stanch trust institution.
Mr. Beers has won for himself a great reputation, and as actuary and vice-president of the New-
YoRK Life is to-day recognized as among the very few who hold a front rank in the life insurance
profession, but to the policy-holders of that company he is, in a large degree, the architect of its
fortunes ; he found it a small company doing a small business on the cash and note plan ; it is to-day
a great company, doing a great business on the all-cash principle, a sound company, commanding the
confidence and holding the trusts of thousands of our citizens. He found it declaring scrip dividends
which had no date of redemption specified and were selling in the market below their face value; it is
to-day paying cash dividends from a surplus of six millions of dollars. The best years of his life have
been given to the New^-York Life ; the work he has done for it and its members is a work whose
value cannot be estimated in dollars and cents, — a work which, like the work of every true life company,
reaches far and wide throughout the land, doing much that is never known, to prevent poverty and
distress, to save from crime and misery. In the inauguration of measures looking to the stability,
progress, and perpetuity of the New- York Life, Mr. Beers has been ably sustained by the worthy
President of the company, and its success is a grand illustration of the principle of unanimity of
purpose of these officers, and a long harmonious work which has made this great company what it is
to-day, — a company which aggregates in itself the work of a score of average companies, gives a
security which these cannot give, and, by the breadth of its operations and the prudence with which
it is managed, greatly reduces the proportion of expenses of management which each of its members
would be obliged to pay in a company which did not offer these advantages.
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PUBLISHERS,
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lercantiie Printing, Litfiographyy Binding; Blank Books of every description;
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The NEW-YORK STAR
ISSUED EVERY MORNING,
A Popular One Cent Newspaper.
The Office at the Star Building,
26 AND 28 North William Street,
NEW-YORK.
CONTAINS THE LATEST TELEGRAPHIC AND LOCAL NEWS,
BOTH FULL AND RELIABLE.
Single Copies, - - - - One Cent.
Mailed to Subscribers at 35 cts. a month and .'P3.65 a year.
ADVERTISING, 10, 15, 20 & 25 cts. PER LINE, ACCORDING TO POSITION.
Address, "THE STAR,"
26 and 28 North William Street, New- York.
^^ £\§ \b^ ^ms ms^ ^3#
EATTY
I Realty's PianO';, grand,
>.squ;ire and upright, are
Ipronounced by the press
PI A WkM ^^^2 arid the people as the most
i f\ 11b %^^J beautiful and sweetest toned
■■■■■■■'^■■■■Oiiffli* I'ianos ever manufactured.
AND Sent on test trial and pronounced the best in the
■■■■i world. Realty's cehbrated Golden Tongue
^\ O g^ A l^i © Parlor Organ. Any man-
V# r% \M t^ TO W^ufacturer challenged to
BBBSRHHBmBBBSS^^Iual i^'^^i^' I'hey possess
WASHINCTOW, TpS
BHHn)Bm^BBBBHBBHHI^HnBBn^& brilhan-
NEW JERSEY. V"/
^BHSSifBHISBHII^^BBIHBBSHSHB thelic del-
icacy, e.xquisitely beautiful solo effects, and the only
stop action ever invented that cannot be disarranged by
use. The bellows capacity is so great that but little
effort is required with the f-Ct to supply all the air neces-
sary. Best made and most elegant cases in the market.
All solid wood ornaments. Every instrument fully war-
ranted for six yesrs as strictly first-class, and sent, on
from 5 to 15 days' test trial. Address, D AIVI Eli F.
BE ATT Y, Washington, New Jersey.
PQPr I Any person who will make and forward me
I nCC • a list of the names of reliable persons of
their acquaintance who wish to procure an instrument,
either Piano or Organ, I will use my best endeavors to
sell them one, and for evt:ry Piano I succeed in selling
to their list within one year, I will credit them with $io,
and for every Organ $5, to be applied on payment of
either a Piano or Organ ; and when it amounts to a sum
sufficient to pay for any instrument, selected at the
lovresl vrholesale price, I will immediately ship
the instrument, free, or after any amount is credited the
bal mce may be paid me in cash and I will then ship
them the instrument. They need not be known in the
matter, and «-ill be doing their friends a real service, as
I shall make special cffers to them, selling a
superior inMlrument for from oue-linlf to
t^vo-thirdH what is ordinarily asked by agents.
Please send me a list at once, and after you have made
inquiry vou can add to it Address, DAIVIEli F.
BFATT V, U^aKhingtoM, New Jersey.
SCHUUL TEACHERSl crease'^^your^'sala^
by devoting a very small portion of your leisure time to
my interest I do not expect you to canvass for my
celebrated Beatty's Pianos and Organs unless you see
fit to ; but the service I require of you is both pleas-
ant and profitable. Full pnrticulars fi-ee Address,
J>A.MEL. F. BEATTV, Washington,
New Jersey.
ClfM DAIMTCDO wanted in every section
Olbl\l rAINItnO of the united sLles and
Provinces to answer this advertisement. Address,
l>Ar\IKIi F. BFATTV, Washington,
New Jersey.
CONFIDENTIAL
Notice to Agents New
Organs, 16 Stops, $120;
13. $96; 12, $85; 9, $65. Pianos retail pnce $650
only $175. WAIVIEI^ F. BE ATT »:, Wash-
ington, New Jersey
Read WMt Bayers Say of Tlcin.
p. W, Hann, Cashier First National
Bank, WaMhington, N. J-. writes:
" The Bealty Piano I purchased of you gives the most
perfect satisfaction in every respect, afier bei 1 1 g th oroughly
tested. Its tone is equaled only by the rich elegance of
its case. We are all highly delighted with it. I com-
mend you to the public as an honorable business man —
as I have always tound you to be."
V. W. ITIetz, Esq.. Cashier Farmers &
jyierchantN' Bank, Paris, Tex., write.^i:
"You can refer to me, as I can fully recommend your
instruments, and shall do so with pleasure."
Rev. Father Adalbert Cipin, Carlton,
Wis., writes:
" I reconsmend your Organ to every clergyman, who
should buy from you, because the instruments are excel-
lent and the prices very low. I have tried it with other
makes, and it is the best"
Mr. K. H. Brongfalon, Bradford, Prov-
ince <if Ontario, ^vritest
" I had the opinions of two professors of music as to
the merits of your Piano, and they both speak in the
highest terms of it, both as to its sound and finish."
F. Heerinans, Cashier National Bank
of Kingwood, W. Va., writes:
"The Organ I purchased of you, 1 assure you not
only givrs entire satisfaction, but it is a perRct gem ; ex-
ceeding in richness of tone, b.:auty, quality, and style of
workmanship, the instruments of any other makers to be
found in our village."
Br. Will E. Turner, Acting Ass't Snr-
geon Uo S. A., Fort Benton, ITlontana,
writes:
"Organ arrived to-day, after its long ride of over 600
miles over the most mountainous of mountain countries,
in perfect order, and without a scratch. This speaks
volumes for the or^an, and for the care taken in packing
it. We are all delighted with the tone and fi' i^h of the
organ, and it far exceeds our most sanguine ex-
pectations."
Rev. D. B. Harris, of Seaville, N. J.,
writes:
"The Organ arrived safely. It is an e.xcect'ingly
fine-toned and beautiful instrument, and we are all well
pleased with it."
For testimonials from thousands who
are using my instruments, send for free
copy of my '.24-page illustrated "Adrer-
tiser" — all about Piano and Organ -^var.
Instruments Sent on from
6 to 15 days' Test Trial,
mmi DANIEL F. BEATTY, f asliinilon, New Jersey, U. S. A.
>i'-
^^
.^
i f!SiJX-t^ftnj> c
^^^jC
765-
'^^^
(5
4
ThEO. L. De VlNNE.
Estate of Francis Hart.
%i%^
1
RINT Books, Paniphlets, Newspapers and
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ajid Legal Forms, for which they are amply
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It has been the custom of the Rurai, New-Yorker, as it is of many other journals, as the
year grows old, to give considerable space to its own advertising, for the purpose of increasing
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character combine to render this aspiration practicable.
The Rural Grounds now comprise eighty-two acres, a greater part of which is designed
for experimental agriculture — the rest for horticulture. All new trees, shrubs and smaller plants ;
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and the results impartially made known.
Seeds of favorite, easily cultivated ornamental plants v/ill be — as they have been during the
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While, therefore, we shall seek to help the farmer to pursue his v/ork with less labor and with
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address.
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OFFICE OF
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350 Pearl St. (Franklin Sci.) N. Y.
Publishers of P. O. Box 1919.
THE DRY GOODS JOURNAL (monthly), per year, $1.50 THE DRUGGISTS' JOURNAL (monthly), per year, $1.50
THE GROCERS' PRICE-CURRENT, " " " $1.50 THE HARDWARE PRICE-CURRENT. " " " $1.50
THE N. Y. MERCANTILE JOURNAL (containing all the markets), weekly, per year, $4.00
THE TRUE CITIZEN (32 pages, monthly), per year, $1.00
TO MERCHANTS, pNUF^CTURERS AND OTHER BUSINESS pN.
We take pleasure In commending to j'our attention the putilications of The Nevr York Mercantile
Journal Company, embracing "THE N. Y. MEKCANTILiE JOURNAL,," "THE DRY GOODS
JOURNAL,." "THE GROCERS' PRICE-CURRENT," "THE HARDWARE PRICE-CUR-
RENT," THE DRUGGISTS' JOURNAL," and "THE TRUE CITIZEN."
Commendation is due not only for the commercial information furnished, but especially also for their able
advocacy, through many years past, of Currency Reform in the face of strong opposition.
Hon. Thomas W. Febrt, Hon. John Coburn, Hon. John Cessna, Hon. Sobieski Ross,
" John B. Gordon, " \Vm. Williams, " L. U. Woocwortb, " J. D. C Atkins,
" John A. Looan, " Morton ('. Hunter, • M. H. Dhnnkll, " Charlks Albright,
" W. C. Whittuorne, " G. L. Fort, " S. O Hohghton, " James S. Bikut,
" Wm. D. Kki.lkt, " John VV. Uazelton, " Lemuel Todd, •' Sam'l A. Dobbins,
" Moses W. Field, " A. Comingo, " E. McJdnkin, " T. J. Cason,
" A. H. BncKNKR, " W. G. Donnan, " J D. Strawbridgk, " Thos. Whitehead,
" W. S. HoLMAN, '• Wm. LdUQHRiDQE, " H. L. Richmond, " Geo. W. McCrary,
" John J. Davis, " J. R. Lofland, " Amos Clark, Jr. ' C. N. Lamison,
" T. L. Crittenden, " H. E. Havens, " J. C. Burrows, " J. B. Packer,
" E. O. Stanard, " Benj F. Butler, " O. D. Conger, and many others.
It gives the undcrtigned special pleasure to indorse the foregoing commendation of the New York Mercantile
Jonrnal Company's publications by members of Congress, adding that, since the Currency Question is the must
importan t secular matter before the country, the papers named — which contain a large amount of valuable commercial
and financial information, and Are Excellent Mediums for Ad\ert\aiing— ought to receive the cordial support
of the business community.
GEORGE OPDYKE, DANIEL C. EOBBINS, WM. M. HALSTED,
H. E. CLAFLIN, JNO. F. HENRY, CUREAN & GO. P. VAN VOLKENBURGH & CO.
GEORGE T. HOPE, WM. H. SCHIEFFELIN & CO. W. L. STRONG & CO.
JACKSON S. SCHULTZ, BELCHER, PARK & CO. TEFFT, GRISWOLD & CO.
SHELDON GO©DWIN, E. & 0. WARD, L. M. BATES & CO.,
PLINY FREEMAN, W. R. MITCHELL & CO. and many others.
A WEIG-HTY REASON.
A weighty reason why all business men should patronize the puWicatioDs of The New-York Mercantile
Journal Co.— beyond obtaining a knowledge of current eveuts which have Direct reference to Coiumeicial
and Fiuaiicial afifairs— will be readily appreciated upon a moment's reflection. It may be safely said that tlie
.ailoptiou (merely a question of time) ot National Paper Money made a full lesal tender, having it.s Valne
Fixefl and Volume Regulated bv its intoichangeabilitj-.at holders' option, witli Government bonds bearing
aTixeil, eciniiablc rate 01 iiiterffit,"a-s advocated by tliese publication.' (viz: The New-York Mercantile
Journal, The Dry Gocda Journal, The Druggists' Journal, The HardTfare Price-Current, The
Grocers' Price-Current and the True Citizen), will Prevent Inflation, without producing undue
condactiou, and thu.s remove All Liability to Financial Panics .sucli as iu years past have .so seiiousiy
disturbed the entire industry of the couutrj- and entailed such leartul loss upon all. The most memorable of
tliese panics occurred iu 18;i7 and 18.57. The loss to the nation through the non-employment of labor (for a
twelvemonth iinl}') caused by the panic of 18.57,18 variouslj' estimated at from $l..")(»,ooo,000 to $2,0<X).0<X),000,
wliich, if distiibuted among the merchants, would average Three Thousand Dollars each, if we take only
the smallest sum— $l,500,0C0,(X)O— and e.stimate the number of merchants at ."Oi.cxiO, or one in eighty of our
])iipulation. In view of these facts, is it not worth the while of all to work earnestly to avert such
disasters in future, as well as to obtain present relief from embarrassments resulting from the peculiar
panic of aeptember, 1873 1
SALT A NECESSITY-WHAT IS ECONOMY?
Since .Salt is not only necessary to health, but life itself, any man Tvho vconld entirely dis-
pense w^ith its use, in order to reduce his expenses from one hundred dollars to ninety-nine
dollars and ninety-five cents per month, would no doubt be considered eccentric, to say the
least. What, then, ouaht one to think of the merchant ^vho— because business 'is dull and
money scarce— cuts off his Commercial and Financial Ne'Wspaper, the Salt of his business
affisirs? The man 'who JtDItlTOt'yijY economises is vrise, but when he allows himself to
withhold his seed-corn from the earth, with a view to hoarding it, he makes a mistake.
1878
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Entertaining, Bright Jruthful, Fair & Decent.
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1.
Justin McCarthy's New Novel,
MISS MISANTHROPE
A brilliant story by tKe author of "A Fair Saxon,"
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and " Dear Lady Disdain." One volume octavo, paper,
90 cents. Cloth, $1.53.
11.
THE NARRATIVE OF A
BLOCKADE-RUNNER
By CAPT. J. WILKINSON,
Of the Confederate States Navy.
One voL i2mo, cloth, $1.25. Captain Wilkinson ran
our blockade successfully eighteen times, and was never
captured He was also in command of a Confederate
vessel at the time New Orleans was captured. "He
tells a plain, unvarnished tale of great interest."
RECENTLY PUBLISHED.
Mrs. Annie Edwards' Bright Story,
A BLUESTOCKING.
I vol. i2ino, paper, 50 cents. Cloth, $1.00.
JUSTIN McCarthy's novels.
Lady Judith $1 .00
liinley UccHford 1.00
Dear Lady Disdain 1.00
A Fair Saxon , , 1.00
Paul Massie 1.00
MS. ANNIE EDWARDS' NOVELS.
Ought We to Visit HerP $1.00
Archie Lovell 1.00
Steven Lawrence, Yeoman 1.00
A Point of Honor 1.00
Philip Eamsclifife l.CO
Leah; A Woman of Fashion 1.00
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between its covers than any other American
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".\ model periodical, a credit to .American
periodical literature." — Press, Fkiladelphia.
"It quite eclipses the more, conservative pe-
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THE
GALAXY
For 1878.
The publishers have the pleasure of announcing that
among the attractions which they hope to offer in Thk
Galaxy for the coming year are :
I.
A SERIES OF ARTICLES ON ACTORS,
By Lawrence Barrett, the eminent tragedian, who
has already won so high favor as a writer by his c m-
tributinns to Thk Galaxy. Mr. Barrett will also
contribute an Essay on the Drama.
IL
A SERIES OF POLITICAL ARTICLES,
By the Hon. Gideon Welles, who^e previous r.d-
ditions to the political history of the Administration of
Mr. Lincoln, and the tim^s of the Civil War, have
been of so exceptional an interest
III.
A SERIES OF ARTICLES ON INDUS-
TRIAL QUESTIONS,
By Charles Wyllys Elliott, a writer well and favor-
ably known to the readers of The Galaxy.
ry.
ESSAYS ON VARIOUS SUBJECTS,
By Richard Grant White, Titus Munson Coan,
Junius Henri Browne, Charles Carroll, Albert
Rhodes, and others.
V.
SKETCHES OF TRAVEL AND OF FOR-
EIGN LIFE,
By Henry James, Jr.-, Richard Grant White, E. C.
Grenvillf. Murray (the author of "'The Member
from Paris"), and other distinguished writers.
SERIAL NOVELS
may he expected from Henry James, Jr., and Mrs.
An.s'ie Edwabus.
These arc to be a few of the featurps of the f irthcoming
volumes. The general list nf cimtnbutors will be large,
and oi' a kind to maintain the high staud which Thb.
Galaxy sets itselfl
SHELDON & COMPANY,
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Hl^ OF THE CITY OF
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OFFICERS.
EDWARD HOTCHKiSS, Pres. JACOB CAMPBELL, Vice-Pres. ROBT. M. G. DODGE, Sec'y.
Branch Office, Ho. 165 Broadway.
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Jacob CAMPBntt,,
M11KRI3 FltANKLIHr,
Chaulics E. Klkmino,
Russell H. IIoadlbt,
Edward Hotchkiss,
Hknrv Sidbnbbro,
William D. Rtubr,
John L. Daniels,
Fred'k Hazleton,
H. O. Hotchkiss,
Samukl Hawk.
Joseph S. Lowrey,
John B. Snook.
George A. Lkavitt,
John Nksbit,
Wm H. Beadleston,
ZiMRi West,
Fred'k S. Myers,
Olin G. Walbridge,
Aaron S. Robbins,
S. Van Rensselaer Crdser,
Edwin G. Freligh, -
Joseph H. Didier,
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INSURANCE COMPANY OF NEW-YORK.
Office, No. 130 Broadway.
Insures Building-s, Merchandise, "Vessels in Port, and Personal Property g-enerally,
against Loss or Danaag-e by Fire, on the most favorahle terms.
STATEMENT, JANUARY 1, 1877.
Cash Capital $200,000.00
Re-Insurance Reserve '. 73.565 • 40
Unpaid Losses 7,946 00
Net Surplus over all Liabilities 105,685.89
ASSETS. $387,197.29
United States Bonds $101,155.00
Bank and other Stocks 61,900.00
Bonds and Mortgages 178,993.00
Stock Loans 15,850.00
Cash on hand 21,115.46
Premiums in course of collection 4,508.13
Accrued Interest 3,675.70
$387,197.29
DIRECTORS.
William O. Hoffman, Walton H. Peckham, James L. Morgan, A. Denison Williams,
Frederic De Peyster, William O. Giles, C. D. Leverich, John H. Watson,
Samuel V. Hoffman, henry Lewis, albert Ward, Marcus F. Hodges,
George M. Miller, Charles B. Hoffman, Robert P. Parrott, V.K.Stevenson,
Robert ScHELL, Robert L. Kennedy, Daniel L. Pettee, s. M. Craft.
M. F. Hodges, Pres. Samuel M. Craft, Vice-Pres. John D. Macintyre, Sec.
ILLUSTRATIVE TABLES.
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PTTBELY MUTUAL
4)IVIDENDS
ANNUALLY.^
THE
New York Life Insurance Co.
THIRTY-THEBE YEARS OF SU'CCESSP'OrL WORK.
. 130,000 Policies Issued. Payments to Policy-holders, $42,000,000.
ANNUAL INCOME
CASH ASSETS:
17,500,000 ^36,000,000
Surplus, New-York State Standard, over $6,000,000-
TiKi C'ouipintif's Home Office, 346 ifc 348 Broadway, New -Yorh.
THE NEW-YORK LIFE INSURANCE COMPANY has been doing business for thirty-three years, and now offers
to those desiring life insurance a Combination of Advantages which only long experience, a large and
well-established business, an unsullied reputation, and carefully perfected plans and methods, can afford.
The large amount of Assets now held by the Company, its large surplus over and above all liabilities, the
large number of policies in force on carefully selected lives in the most healthful portions of North America and
Europe, and the great experience of its officers and managers, render it one of the strongest,
most prosperous, and most trustworthy companies in the world.
Having always been a purely mutual Company, policy-holders receive their insurance at exact cost, and being
ably and economically managed, that cost is low. The Company is conducted in the interests of policy-holders
alone, in the decision of questions involving their rights, the invariable rule is to consider, not the techn'sal legality
of a claim, but its real justice.
The non -forfeiture system of policies originated with this Company in 1860, and has since been adopted—
though sometimes in questionable forms— by all other companies. This feature saves millions Of
dollars every year to policy-holders in this country, and for this they are indebted
to the NEW-YORK LIFE. The system as now perfected by the NEW- YORK LIFE secures safety to the
Company (without which all interests are jeopardized), and JUSTICE to the insured. Every desirable form of policy
issued, on practical plans and favorable terms.
MORRIS FRANKLIN, President.
THEODORE M. BANTA, Cashier.
D. O'BELIi, Sup't of Agrencies.
WILLIAM H. BEERS, Vice-Pres. & Actuary
CHARLES WRIGHT, M. D., Medical Examiner.
iJdlJSLttm«\^ a
rarinis^Hart Si. Co.. Printers, 6^ and 65 Murray Street, New-York.
EAST. RIVER. BRlDGEu
CENTRAL PARK,
^r]^u:!/iv/.
?
FARRAGUT FIRE
INSURANCE COMPANY
OF THE CITY OF NEW-YORK,
No. 346 Broadway.
Statement, July i, 1878.
Cash Capital $200,000.00
Reserve for Re-insurance 59,961.50
Reserve for Losses 2,326.27
Reserve for Taxes, Rent, Commissions, &c 5,022.43
Net Surplus 161,24.8.01
$428,558.21
INVESTED AS FOLLOWS:
United States Bonds (Registered) $224,418.75
Bank Stock 9,800.00
Bonds and Mortgages 37,000.00
Temporary Loans 68,700.00
Real Estate ' 30,294.91
Cash on Hand and in Bank 47.769.93
Unpaid Premiums 7,866. 78
Interest accrued and Rents 2,707.84
$428,558.21
JOHN M. FURMAN, President.
JOHN E. LEFFINGWELL, Vice-Pres't. SAxMUEL DARBEE, Sec'y.
CHARLES A. BOGUE, Ass't Sec'y.
DIRECTORS.
JOHN IM. FURMAN President.
E. E. EAMES H. B. Claflin & Co.
PHILO C. CALHOUN.... Pres't f ourth Nat'l Bank.
WM. H. BEERS Vice-Pres't N. Y. Life Ins. Co.
N. D. MORGAN Brooklyn.
CHARLES WRIGHT, M. D....N. Y. Life Ins. Co.
WM. WATSON Watson Bros. & Co.
MARCUS F. HO DOES.. President Hoffinan Ins. Co.
W. F. SHIRLEY New-York.
A. H. GODWIN Paterson, N. J.
JAS. M. DUNBAR Jam^s L. Little & Co.
.^. S. FISHER Manufacturer.
SEY.MOURL. HUSTED,Pres. DimeSav. B'kB'klyn. I GEORGE H. JONES New-York.
ECKFORD WEBB, late of Webb, McLaughlin & Co i SAMUEL COOPER 7 Pine Street.
JAMES L. BOGERT New-York. | STEWART L. WOODFORD Brooklyn.
CHARLES A. DENNY Denny, Poor & Co. I EVERETT CLAPP New- York.
^ JOHN E. LEFFINGWELL, Vice-President. i-
^^ -^-»f!
IHERCAlIll
FIRE INSURANCE COMPANY
Of the City of New-York.
Office, 166 Broadway
(CHARTERED IN 1852.)
This Company has been in successful operation twenty-six years, and has paid all its losses,
including those of the great conflagrations of Troy, Portland, Chicago and Boston, promptly,
and in full, and continues to insure against Loss or Damage by Fire on reasonable terms.
Cash Capital $200,000.00
Re-insurance Reserve, June 30, 1878 26,734.35
Unpaid Losses and other Liabilities, June 30, 1878, 3,837.31
Net Surplus, June 30, 1878 54,367.65
Total Assets, " " $284,939.31
WM. A. ANDERSON, President.
C. W. PARMELEE, Secretary.
^(^'-
BIRECTORS.
\Vm. A Anderson,
J. B. Rumrill,
James Stokes, jr..
W. 0. Woodford,
Wm. A. Thomson,
Czar Dunning,
Elward Smith,
EUjert A. Brinckerhoff,
Isaac N. Phelps,
James M. Jones,
Chas. B. Colton,
Lester A. Roberts,
Sam'l Colgate,
James Stuart,
Harman Blauvelt,
Alfred J. Taylor,
William Barton,
Joseph Slagg,
Menry Van Schaick,
John C. Hoyt,
A. R. Van Nest,
W. W. Phelps,
0. G. Walbridge,
C. W. Parmelee,
John C. Martin,
George B. Greer,
L. Bayard Smith,
Alexander Rumrill,
y.
Lawrence.
'■■^^
e)K
*<^^^-
It is, indeed, one of the ablest religious weeklies in the country." — S. S. Times.
THE CHRISTIAN UNION.
HENRY WARD BEECHER and LYMAN ABBOTT, Editors.
ABSOLUTELY NO PREMIUMS.
IW' The large sums of motiey Jieretofore devoted to premiums will
be put into the columns of the paper.
Bead the Great Serial, " The Little Belle of Bloomingdale," hy one of the most eminent
of American Authors.
A UNIVERSAL ENDORSEMENT FROM THE PEOPLE.
From Pkes't Porter, Yale College, Ct.
It is with great pleasure that 1 express the opinion that
The Christian Union as at present conducted is an excel-
lent family religious newspaper. The matter is very care-
fully selected and condensed, and the spirit of the paper
eminently practical, catholic and Christian.
August, 1878. N. PORTER.
From Pres't Seelye, Amherst College, 3/iiss.
I have been a gratified reader of The Christian Union
for the past year. Its intelligent treatment of current
topics, its candor and comprehensiveness, have given me
both pleasure and profit, and I rejoice in its nicreasing cir-
culation as an i icreasing power of good in the land.
August, 1S7S. J. H. SEELYE.
From Dr. Leon.»ru B.\con, New Haven.
I take pleasure in commending The Chtistian Union as
a newspaper for the family, continually reporting the prog-
ress of events as observed from a religious point of view,
and as related to the kingdom of Christ. In my own
family, every one of us, from the eldest to the youngest,
finds something in every weekly issue to be read with
interest and to yield instruction.
August, 1S7S. LEONARD BACON.
From Dr. W. M. B.\rboiir, "i'ale College, Ct.
I am asked my opinion of The Christian Union. I
judge it to be in the front rank of modern journals.
Let me confess that its theological hospitality exceeds my
own. It entertains, now and then, what it may think "an
angel " unavvares. I am looking for the first angelic feather
on some of its theological strangers.
But, for its editorial ability, its obliging information, its
courage, kindliness, and catholicity of spirit, I deem it
worthy of high commendation.
August, 1878. W. M. BARBOUR.
From Dr. Howard Crosby, New-York.
The Christian Union is conducted with great ability and
dignity. It is a paper I am glad to have in my family for
its purity and Christian liberality.
September iS, 187S. HOWARD CROSBY.
■FromT>n. S. H. Tyng, ]r., Ne2v-York.
The Christian Union commends itself to critical and
Christian readers with equal force. Its work has during
the few past years been so well done that it thoroughly
deserves the large increase in its circulation which it has
secured, and the general confidence which is its best capital.
October, J878. STEPHEN H. TYNG, Jr.
From the Rev. R. W. Dale, A. M., England.
To an Englishman wanting to know how the currents of
thought in America are flowing, it is particularly valuable.
September, 1S78 R. W. DALE.
From David Swing, Chicago, III.
The Christian Union has gone forward rapidly in the
current year, and is indeed in all respects a most excellent
paper. It combines well true religion and the most impor-
tant secular matters, and is both learned and devout.
September, 1878. DAVID SWING.
From Dr. Edw\ Egglesto.n, New- J 'ork.
The Christian Union has long been my family religious
newspaper. I read it and like it, especially for the breadth
of its sympathies and its hospitality to fresh ideas, and its
belief in individual liberty. Sometimes it is almost too
orthodox for me, but, perhaps, it is all the better for that.
October, 1S7S. EDWARD EGGLESTON.
From Ex-Gov. Ci'rtin, Fenn.
I commend The Christian Union as a reliable family
newspaper, especially worthy of favor for its able and
vigorous treatment of public affairs.
October, 1S78. A. G. CURTIN.
From Ex-Gov. Washburn, Mass.
The Christian Union seems to have taken rank among
our very best family paper.-;. It is characterized by its
fresh news, vigorous and timely editorials, and a large
addition of choice and varied selections from current liter-
ature. It happily blends its religious selections and discus-
sions with the news of the day.
September, 1S78. W. B. WASHBURN.
From Emily Huntington Miller, Mich.
We have a serious conviction of the dissipating effects of
too much newspaper reading, but never can feel quite com-
fortable until we have thoroughly explored The Christian
Union, from sermons to stories. We consider it an excel-
lent family paper.
September, 1878 EMILY HUNTINGTON MILLER.
From Gov. Geo. B. McClell-^w.
I take great pleasure in bearing testimony to the merits
of The Christian Union as a most excellent family paper.
The variety of its contents and the ability with which
subjects are discussed give it a very high place among the
newspapers of cur country.
October, 1878. GEO. B. McCLELLAN.
$3.00 per annum, postage prepaid. Clergymen, $'^.50. $1.00 for four montli!< on trial.
A^^ents IWinfcd. I >arge Cash Commissions paid. Send stamps for Sample Copy. Address
THE CHRISTIAN UNION, 27 Park Place, New-York.
;-«^:-
THE INDEPENDENT
For 1879
Will have to be a VERY GOOD PAPER to satisfy the thousands of readers who have become
familiar with its good qualities in the past. But we propose this year to excel the past. We shall
continue to print articles from the best writers and thinkers in the country. The departments of
Religious News, Literature, Sunday-school, Fine Arts, Science, Missions, School and College,
Markets, Farm and Garden, Financial and Insurance, will, as heretofore, be contributed to by
specialists in each branch. These departments are famous because they are able and trustworthy.
COOK'S LECTURES.
These famous Lectures, delivered in Boston
every Monday, by the Rev. Joseph Cook, will
be published in full, together with the introduc-
tory remarks.
SERMONS
by Eminent Clergymen in all parts of the
country will continue to be printed.
PREMIUMS.
We offer Rev. Joseph Cook's valuable new volumes, entitled "Biology," "Transcendent-
alism," "Orthodoxy," "Conscience," "Heredity " and "Marriage," embodying, in a
revised and corrected form, the author's previous remarkable Monday Lectures. They are
published in handsome book form, with colored illustrations, by James R. Osgood & Co., of
Boston. We will mail a copy of either volume, post-paid, to any subscriber to the Independent
who remits us $3 for a year in advance; or any subscriber may remit $5.50, and we will
send him the Independent for two years in advance, and two volumes, post-paid ; or, any three
volumes, post-paid, to any one subscriber who remits $8.00 for three years in advance.
WORCESTER'S UNABRIDGED PICTORIAL QUARTO DICTIONARY.
Bound in Sheep. 1,854 pages. Over 1,000 Illustrations. Issue of 1878.
W^e have made a special contract with the great publishing house of J. B. Lippincott & Co.,
of Philadelphia, by which we are enabled to offer the most desirable premium ever given by us
or any other newspaper in the country. We will send this Dictionary to any person who will
send us the names of Three Nezu Subscribers and Nine Dollars ; or who will, on renewing his
own subscription, in advance, send us Two New Names additional and $9.00; or who will renew
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three years and $9.00.
The regular price of the Dictionary alone at all the book stores is $10.00, while the lowe.st
price of three subscriptions is $9.00. Both the Dictionary and the three subscriptions, under this
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as may be ordered, at the expense of the subscriber. The subscriber under this offer will not be
entitled to any other Premiums.
Subscription Price $3.00 per annum in advance, including any one of the following Premiums :
Any one volume of the Household Edition of Charles Dickens' Works, bound in cloth,
with 16 illustrations each, by Sol Eytinge.
Moody and Sankey's Gospel Hymns and Sacred Songs, No. 2.
Lincoln and his Cabinet; or, First Reading of the Emancipation Proclamation. Fine large
Steel Engraving. By Ritchie. Size 26 x 36.
AUTHf)RS OF TH1-; United States. Fine large Steel Engraving. 44 Portraits. Size 24 x 38^.
By Ritchie.
Charles Sumner. Fine Steel Engteving. By Ritchie. Grant or Wilson. Fine Steel
Engravings. By Ritchie.
Edwin M. Stanton. Fine Steel Engraving. By Ritchie.
The Inner Life of Abraham Li.ncoln. By Frank B. Carpenter. Bound in cloth. 360
pages. It gives a better insight into his " inner life " than can be found elsewhere, and is
altogether one of the most fascinating, instructive and useful books of the kind ever published.
We offer one premium only for one year's subscription.
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ly This offer holds good until the 1st of APRIL, 1879,
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^ SCRIBNER'S MONTHLY. ^
t'ondiicted by J. G. HOIXAND.
THE HANDSOMEST ILLUSTRATED MAGAZINE IN THE WORLD.
ANNOUNCEMENTS FOR 1379.— Among the attractions for the coming year are the following:
" H A^AVOIiTM'S,"
A serial novel, by Mrs. Frances Hodgson Burnett, author of " That Lass o' Lowrle's." The scene of Mrs. Burnett's
new novel is laid in Lancashire; the hero is a young inventor of American birth. ' Haworth's " is the longest story
Mrs. Burnett has yet written. It will run through twelve numbers of the Monthly, beginning with November, 1878,
and will be profusely illustrated.
A serial novel, by H. H. Boyescn, author of " Gur.nar," " The Man who Lost his Name," &c. In this romance the
author graphically describes thepeculi.irities of Norse immigrant life in a Western settlement.
.A. .STOIiT^ OF- ]VEW ORL.KA]SrS,
By George W. Cable, to be begun on the conclusion of " Falconberg. " This story will e.vhiblt the slate of society in
Creole Louisiana about the years 1803-4-5, the time of the Cession, and a period bearing a remarkable likeness to the
present Reconstruction period.
F»OKTrj,A.ITS; OF AMISIIIC^AlIV FOETiS.
This series (begun in August with the portrait of Bryant) will be continued. These portraits are drawn from life by
Wyatt Eaton and engraved by T. Cole.
SiJTXJDIES I>J^ THIE SIERR A.S,
A series of papers (mostly illustrated) by John Muir, the California naturalist. The most graphic and picturesque,
and, at the same time, exact and trustworthy studies of " The California Alps " that have yet been made. The series
will sketch the California Passes, Lakes, Wind Storms and Forests.
A. nSTEW ^^IE^V OK- TJIiAZIL.
Mr. Herbert H. Smith, of Cornell Lniversity, a companion of the late Prof Hartt, is now in Brazil, with Mr. J.
Wells Champney (the artist who accompanied Mr. Edward King in his tour through "The Great bouth "1, preparing
for ScRiBNER a series of papers on the present condition, — the cities, rivers and resources of the great empire of South
America.
THE " JOHIVJVY HEB " f»A.F»ETlSS,
By an " ex-Confederate " soldier, will be among the raciest contributions to Scribner during the coming year.
Among the additional series of papers to appear may be nienlicmcd those on HcW Shall We Spell (two paper;
by Prof. Louiisbury), The New South, liawn-Pianting- for Small Places (by Samuel Parsons, of Flush-
ing), Canada of To-day, American Art and Artists, American Archseology, Modern Invent-
ors; also, Papers of Travel, History, Physical Science, Studies in Literature, Political and Social Science, Stories,
Poems; "Topics of the lime," by Dr. J. G. Holland; record of New Inventions and Mechanical Improvements;
Papers on Education, Decoration, &c. ; Book Reviews; fresh bils of Wit and Humor, &c., &c., &c.
Terms, $4.00 a year in advance; 35 cents a number. Subscriptions received by all booksellers and newsdealers.
SCRIBNER «fe CO., 743 & 745 Broadway, New- York.
ST. NICHOLAS.
SCRIBNER'S ILLUSTRATED MAGAZINE FOR GIRllS AND BOYS.
AN IDEAL CHILDREN'S MAGAZINE.
Messrs. Scribner & Co., in 1873, began the publication of St. Nicholas, an Illustrated Magazine for Gins and
Boys, with Mrs. Mary Mapes Dodge as editor. Five years have passed since the tirst number was issued, and the
magazine has won the highest position. It has a monthly circulation of
OVER, S0,000 OOPIES.
It is published simultaneously in London and New-York, and the tiansatiantic recognition is almost as general and
hearty as the American. Although the progress of the magazine has been a steady advance, it has not reached its
editor's ideas of best, because her ideal continually outruns it, and the magazine as swifily follows after. To-day
St. Nicholas stands
A^LON^E IN THE T\^OIiLD OE BOOI^frS :
The New- York 'Tribune has said c:f it : " St. Nicholas has rt:ached a higher platform, and commands for its sen'ice
wider resources in art and letters than any of its predecessors or contemporaries." The London Literary World
says : " There is no magazine fir the young that can be said to equal this choice production ot Scribner's press."
GrOOD THINGS FOR 1878-9. — 1 he arrangements for literary and art contributions for the new volume —
the sixth — are complete, drawing from already favorite sources, as well as from promising new ones. Mr. Frank R.
.Stockton's new serial story for boys,
•'A. .TOLLY EELLO^VSHII*,"
Will run through the twelve monthly parts, — beginning with the number for November, 1878, the first of the volume, —
and will be illustrated by James E. Kelly. The story is one of travel and adventure in Florida and the Bahamas. For
the girls, a continued tale,
" H.A.LE A UOZEIV HOTJSEIi:EE:F»E:ii!*!,-'
By Katharine D. Smith, with illustrations Ijy Frederick Dielman, begins m the same number. There will also be
begun very early in the volume, a continued fairy-tale called
" K,XJM:t»Tlkr DUOG^ET'S TOWEH,"
Written by Julian Hawthorne, and illustrated by Alfred Fredericks.
E^V^EBIilGIlT,
By that popular author, Susan Coolidge, will commence soon.
About the other familiar features of St. Nicholas the editor preserves a good-humored silence, content, perhaps, to
let her five volumes already issued prophesy concerning the sixth, in respect to short stories, pictures, poems, humor,
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*_
^^, : ^ ^^^M
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H. W DOUGLAS, Publisher,
15 Murray Street, Ne"w-York.
Sa
THE
GREENWICH
Insurance Company,
No. 151 Broad^A/^ay, New- York.
i
This Company has been uninterruptedly in business 44 years, having commenced business January 1st, 1835.
STATEMENT, July 1st, 1878.
Cash Capital $200,000.00
Reserve for Re-insurance 110,878.11
Reserve for Losses 9,2 1 8. 50
Reserve for all other demands against the Company 91 7- 13
NET SURPLUS 321,186.69
Total Assets, $642,200.43
ASSETS.
United States Government Bonds $386,237.50
Loans on Bonds and Mortgages (first liens) 102,951.00
Bank Stock 20,000. 00
Railroad Bonds 1 1 ,000.00
Call Loans on Stocks and Bonds 42,830.00
Cash on hand and in Bank 62,806.35
Premiums due 13,608.36
Interest accrued 150.00
Interest due (ist July, 1878) 2,617.22
$642,200.43
SAMUEL C. HARRIOT, President.
MASON A. STONE, Secretary.
^X(S^'-~ ^^»
f
^ TP V P W- Y01^K V ;?IiM^N^C 4^^
^cl8793|&^
EDITED BY
JAMES M. HTTDNUT,
CONTENTS.
ASTRONOMICAL PHENOMENA.
Eclipses, etc 2, 3 | Calendars
.4-26
ILLtrSTRATIONS.
The "Abbott House," Providence 5, 28
The Downs and The Sand-Drift 7, 28
Clear Creek Canon, Colorado 9, 28
A Crevasse on the Mississippi 11,29
View from Neversink Highlands 13,29
The Hay-field 15, 29
View from Fort Adams, Newport 17, 29
Views on Lake Champlain i9i 3°
Moonlight on the Juniata 21, 30
Harper's Ferry, from Jefferson Rock, 23, 31
Distant View of Delaware Water-Gap, 25, 31
A Relic of the Revolution 27, 31
POSTAL INFORMATION.
Domestic Postage 32 | Foreign Postage
Shooting Laws 35-37
The National Finances.
•38
INSTJRANCE TOPICS.
i
The Generous Aspect of It 39
The Practical Aspect of It 39
The Widows and Orphans' Bank 40
Getting one's Money Back 41
Insurance as an Investment 42
Surplus and its Uses 43
The Cost of Insurance 44
Work and Standing of the " N. Y. Life " . . 44
Rate and Comparative Tables 45
Progress of the New- York Life 48 jjk
-r-^-
-^•^
NEW-YORK :
Francis Hart & Company, Gt, and 65 Murray Street,
J
Corner College Place.
§^'
Entered, according to Act of Congress, in the year 1878, by FRANCIS Hart & Co., in the OITice of the Librarian of Cong
at Washington.
jress, ^i^
->3lc ^FPE •:• NEW-YO^K •:• ^nja^JVl^CJic-
Astronomical Phenomena* Etc., 1879.
Eclipses.
In the year 1879 there will be three Eclipses,
two of the Sun and one of the Moon, none of
them visible in the United States.
1. An Annular Eclipse of the Sun, January 22,
Washington mean time, invisible in North
America ; visible in South America, the South
Atlantic Ocean, Africa, and a part of Asia.
2. An Annular Eclipse of the Sun, July 19,
Washington mean time, invisible in North
America ; visible in the South Atlantic Ocean,
Africa, and part of Asia.
3. A partial Eclipse of the Moon, December
28, Washington mean time, invisible in America.
Planets Brightest.
W^ASHINGTON MEAN TIME.
Mercury, January 16, before sunrise ; rises
before the Sun, ih. 37m. Mercury, March 29,
after sunset; sets after the Sun, ih. 36m. Mer-
cury, May 15, before sunrise ; rises before the
Sun, ih. 5m. Mercury, July 26, after sunset;
sets after the Sun, ih. 13 m. Mercury, Sept. 9,
before sunrise; rises before the Sun, ih. 30m.
Mercury, Nov. 20, after sunset ; sets after the
Sun, I h. 9 m. Mercury, Dec. 28, before sun-
rise ; rises before the Sun, i h. 45 m. Venus,
August 19 and Oct. 30. Mars, Nov. 12. Jupiter,
August 31. Saturn, Oct. 5.
On account of the strong twilight in which
Mercury is always immersed, this planet will be
taken to be brightest, or best seen, when farthest
from the Sun, at its greatest elongation.
Morning and Evening Stars,
Definition. — The conspicuous planet Venus
is called a Morning Star when she rises before
the Sun, and an Evening Star when she sets after
the Sun. The same terms may be applied to the
planet Mercury under like circumstances, though
this planet is seen with difficulty, because of the
strong solar twilight in which it is usually im-
mersed. The planets Mars, Jupiter, and Saturn,
may be considered Morning Stars when they rise
before the Sun, and Evening Stars when they set
after the Sun, in the same manner as Venus does.
But they may also be considered as Evening
Stars when they rise before twelve o'clock at
night, and as Morning Stars when they are visi-
ble before sunrise, until the day when they set
on or before sunrise.
The following tables have been prepared
according to this deiinition.
Morijing Stars.
Mercury, until Marcn 4, ana from April 17 to
June 18; and from August 23 to October 5 ; and
from December 10 to the end of the year.
Venus, from Sept. 23 to the end of the year.
Mars, until November 12.
Jupiter, from Feb. 8 to August 31, after which
date Jupiter sets before sunrise, and rises so near
to sunset as to be properly accounted an evening
star.
Saturn, from March 26 to Oct. 5, after which
date Saturn begins to set before sunrise earlier
every day.
Everiirig Stars,
Mercury, from March 4 to April 17; and from
June 18 to August 23 ; and from October 5 to
December 10.
Venus, until September 23.
Mars, from Nov. 12 to the end of the year.
Jupiter until about Feb. 8 ; and from June 11,
rising before midnight, to the end of the year.'
Saturn, until March 26; and from July 3,
rising before midnight, to near the end of the
year.
The Four Seasoris,
Winter begins, 1878, Dec. 21st, 5 h. 33 m. Eve.,
and lasts 89 D. o h. 53 m.
Spring begins, 1879, March 20th, 6 h. 26 m. Eve.,
and lasts 92 D. 20 H. 9 M.
Summer begins, 1879, June 21st, 2 H. 35 M. Eve.,
and lasts 93 D. 14 H. 34 m.
Autumn begins, 1879, Sept. 23d, 5 H. 9 M. Mo.,
and lasts 89 D. 18 H. 9 M.
Winter begins, 1879, Dec. 21st, 11 H. 18 M. Eve.,
Tropical year, 365 d. 5 h. 45 m.
#*-=
" The astronomical information herein contained, i
1 which the right to use must be obtamed.
eluding the Calendars, has been copyrighted by the An
an Tract Society,
**%
^^y
*
^c ipE V ]^EW- Yer^K V ^LP^N^C.31^
Chroijological Cycles.
Dominical Letter E.
Epact 7
Golden Number i8
Solar Cycle 12
Roman Indiction 7
Julian Period 6592
Dionysian Period 208
Jewish Lunar Cycle ; 15
Churclj Days.
Septuagesima Sunday February 9
Sexagesima Sunday February 16
Quinquagesima Sunday February 23
Ash Wednesday February 26
Quadragesima Sunday March 2
Mid-Lent March 23
Palm Sunday April 6
Good Friday April 11
Easter Sunday .April 13
Low Sunday April 20
Rogation Sunday May 18
Ascension Day May 22
Whit Sunday June i
Trinity Sunday June 8
Corpus Christ! June 12
Advent Sunday November 30
Ember Days,
after
after
after
t
#
1. Wednesday, Friday and Saturday after first
Sunday in Lent — March 5, 7 and 8.
2. Wednesday, Friday and Saturday
Pentecost — June 4, 6 and 7.
3. Wednesday, Friday and Saturday
September 14 — September 17, 19 and 20.
4. Wednesday, Friday and Saturday
December 13 — December 17, 19 and 20.
Calendar Explarjatioijs.
In the columns of Moon's rising and setting,
the time of only one of these events is given for
each day — that one which occurs while the Sun is
down. When the word " rises " is found in the
column, the Moon is at the full, and the figures
following that word are P. M., or evening, until
the word "morn," which means midnight. From
"morn '' the figures are A. M., the Moon rising
in the morning before the Sun is up. Then after
the word "sets," the time of setting is given,
which grows later and later, from early evening
g^j —
until early morning, until the Moon again is at
the full.
To get the correct time, use a meridian line
and set your time-piece by the time given in the
calendars. The times of Sun's rising and setting
are exact only where the Earth's surface is level.
The Zodiac ar)d its Sigijs,
Spring Signs.
T Aries.
8 Taurus.
n Gemini.
Summer Signs.
es Cancer.
SI Leo.
m Virgo.
Autumn Signs.
7. =^ Libra.
8. TIL Scorpio.
9. t Sagittarius.
Winter Signs.
10. « Capricornus.
11. ^ Aquarius.
12. X Pisces.
The Zodiac is an imaginary belt in the heavens,
sixteen or eighteen degrees broad, in the middle
of which is the ecliptic or Sun's path. The stars
in this belt comprise the twelve constellations,
being separable into that number of groups.
The groups were given by the ancients the names
they now bear, on account of real or fancied
resemblances. They are called the Signs of the
Zodiac. As the Moon can only be seen from the
earth when it is opposite the Sun, its position
with respect to the Zodiac is practically the same
as the earth's. The ancients supposed this posi-
tion at the time of a person's birth, to have an
influence on his character and destiny. They
connected the different Signs of the Zodiac with
different parts of the body as above.
'^^
^.
^-f
^c 5FPE •:• ;^EW-Y01^K •:• ^IiJ^^N^CJle^
TTfHERE will be three hundred and sixty-five
X days in this year, and one will need to save
but a few cents every day to pay the premium
on a life policy for $i,ooo. Just make the calcu-
lation to-day and see what the sum would be,
and consider whether it would not be worth while
to do it. You would live just as long for being
insured, and perhaps longer, for knowing that
your family was provided for might take from
your mind a weight of care and anxiety in case
of severe illness. And would not every day be a
little happier, and every day's saving for your
premiums a delight, remembering, as you do,
how careless other men have been and how their
families have paid the penalty of their careless-
ness ? Are you willing that men should p/fy
your family when you are dead because you
were not more wise and prudent ?
WE cannot have too many helps and provo-
cations to genuine piety, nor spare children
or youth any advantages of culture which our
civilization affords. They bespeak all the nurture,
the supervision, the schools can bestow, the
family cherish, the church can render. The vir-
tue of a community is unsafe till men are freed
from the dominion of the worst without, by
assistance from the best within and above them,
all past history showing that man lapses into the
brute unless he worship something wiser and
holier than himself. — A. B. Alcott.
TTTHOMPSON is not going to do anything more
X in conundrums. He recently asked his
wife the difference between his head and a
hogshead, and she said there was none. He
says that is not the right answer.
jTirst iHoiitl).
^ J^Na?IRYvjS79. Ar
EirivtijsOiif ©aijs.
At Washington.
Moon's Perigee, i4d. oh. noon,
Moon's Apogee, apd. ih. ino.
6
w
>•
S
^
u.
u.
0
0
p
Q
I
Q
I
Wed
2
2
Thur
^
S
Fri
4
4
Sat
5
5
a
6
6
Mon
7
7
-Tues
8
8
Wed
Q
Q
Thur
lO
10
Fri
II
II
Sat
12
12
a
IS
n
Mon II
14
14
Tues
IS
IS
Wed i
16
16
Thur
17
17
Fri
18
18
Sat
iq
iq
S
20
20
Mon
21
21
Tues
22
22
Wed
2^
2S
Thur
24
24
Fri
2-;
2S
Sat
26
26
a
27
27
Men
28
2*5
Tues
29
29
Wed
30
30
Thur
31
31
Fri
Life insurance
Phenomena
FOR the most health-;
FUL portions of
the United states,
THE Dominion of Canada
Great Britain and
Irel.and,
France and Belgium.
DTiring- the month
of January, 1878,
the New- York Life
Insurance Compa-
ny paid fifty-nine
death-claims, on
the lives of forty-
nine persons. The
■whole amount paid
was $197,860, an
average of over
$4000 to each fam-
ily. The premiums
paid on these pol-
icies, less the divi-
dends returned by
the Company,
amounted to $68,-
730.01, an average
of but little over
$1400 per fanuly.
The grain to the
families of the de-
ceased w^as, there-
fore, $129,129.99,
an average of over
$2600 each. For
each $100 paid to
the Company, they
received $287.88.
Calendar for
Boston, New England
N. Y. State, Michigan,
Wisconsin, Iowa,
and Oregon.
Rises
H. M.
7 30
7 3°
7 30
7 30
7 3°
7 3°
7 30
7 29
7 -9
7 29
7 29
7 28
7 28
7 28
7 27
7 27
7 26
7 25
7 25
7 24
7 23
7 23
7 22
7 21
7 20
7 20
H-M.
4 38
4 39
4 40
4 41
4 42
4 43
4 44
4 45
4 46
4 47
4 48
4 49
4 50
4 52
4 53
4 54
4 55
4 56
4 58
4 59
5 o
5 I
5 3
5 4
5 5
5 6
5 8
5 9
5 10
5 "
5 13
H. M.
058
rises
5 2
615
729
843
9 56
II 10
morn
0 25
1 41
2 56
4 9
5 15
6 8
sets
523
6 31
7 37
841
943
1044
II 46
morn
0 48
1 51
H. M.
5 13
6 4
659
7 54
851
9 50
1047
II 39
ev. 23
I 3
1 45
2 28
3 12
3 59
4 52
5 55
7 6
815
9 22
10 26
11 21
morn
o 4
0 41
1 16
1 52
2 28
3 4
3 43
4 27
518
Calendar for
N. Y. City, Philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
h. m.
7 25
7 25
7 25
7 25
7 25
7 25
7 25
7 24
7 24
7 24
7 24
7 23
7 23
7 23
7 22
7 22
7 21
7 21
7 20
7 20
H.M.
4 44
4 44
4 45
4 46
4 47
4 48
4 49
4 50
4.51
4 52
4 S3
4 54
4 55
4 56
57
59
h. m.
055
156
258
4 I
5 o
6 I
rises
5 8
6 20
732
845
9 57
II 9
morn
0 22
1 37
251
4 3
5 8
6 2
sets
5 27
635
7 39
842
9 43
1043
13 II 43
141 morn
15 o 44
171 I 46
H.M.
159
2 50
3 45
440
5 37
636
7 33
825
9 9
9 9
10 31
11 14
II 58
ev.45
138
241
3 52
5 I
6 8
7 12
8 7
850
927
ID 2
1038
II 14
II 50
morn
0 29
1 13
Calendar for
Washington,
Maryland, Vir-
ginia, Kentucky
Missouri and
California.
h. m.
7 19
Sun
Sets
H.M.
4 49
4 50
4 51
4 51
4 52
4 53
4 54
4 55
4 56
4 57
4 58
4 59
5 0
5 I
5 2
5 3
5 4
5 6
S 7
5 8
5 9
5 10
5 II
5 12
5 13
5 15
S 16
5 17
5 18
5 19
5 20
Moon
Sets.
H. M.
053
1 54
2 54
3 55
4 56
5 54
rises
5 14
6 25
7 36
847
9 57
ti 8
morn
0 20
1 33
2 46
3 57
5 I
556
sets
5 32
638
742
843
9 42
10 41
11 40
morn
0 40
1 41
Moon's phases.
Full Moon,
Third Quarter,
New Moon,
-A- First Quarter,
.<^^^
Boston.
h. m.
7 4 Morning.
6 18 Morning.
7 7 Morning.
7 o Morning.
New-York.
H. M.
6 52 Morning.
6 6 Morning.
6 55 Morning.
6 48 Morning.
Washington.
6 40 Morning.
5 54 Morning.
6 43 Morning.
6 36 Morning.
Charleston.
h. m.
6 28 Morning.
5 42 Morning.
6 31 Morning.
6 24 Morning.
yc
H. M.
5 58 Morning.
5 12 Morning.
6 I Morning.
5 54 Morning, jj
*Sl
f§*-i
CUSTOM Stales the infinite variety of life for
most. Whoever would keep their youth
must fight the absorbing demons of care and
business, which are ever at work to reduce us to
mere machines.
i^mn Vi>^i^'*
IF the mind, which rules the body, ever so far
forgets itself as to trample upon its slave, the
slave never forgets or forgives the injury, but at
some time will rise and smite its oppressor. —
Longfellow.
t
'^1
i|^^
-2-^
*
-* ¥HE •:• ]\[EW-Y0^K •:• ^IiJI^NHC.*-
■TTS a countryman in ancient Greece was care-
jl. lessly driving his wagon along a miry lane,
the wheels sank so deeply into the clay that his
horses were brought to a stand-still. Upon this,
the man, without malting the least effort of his
own, began to call upon Hercules to help him
out of his trouble. But Hercules bade him lay
his shoulder to the wheel, assuring him that
Heaven only aided those who endeavored to
help themselves. — ALsop.
Moral : It is presumption, not Christian faith,
for a man who neglects or refuses to insure his
life, to say that Providence will care for his chil-
dren if he dies poor.
tTfHERE is nothing in the universe that I fear
A but that I shall not know all my duty, or
shall fail to do it. — Mary Lyon.
TITHERE is an impression that religious men are
JL not more prosperous than other men ; but
this is not true of communities. Communities
are prosperous in proportion as the ethical part
of religion is thoroughly developed. Things
that tend toward temperance, industry, foresight,
frugality, self-control, purity, coolness of judg-
ment, deliberation, piety and happiness— these
build up a community. Communities thrive by
them— not individually, but collectively. It is
true in single lives, although there are exceptions
to the rule. — Beecher.
"TTJ^ Irishman, seeing a vessel very heavily
fx laden, and scarcely above the water's edge,
exclaimed: " Upon my sowl, if the river was
but a little higher, the ship would go to the
bottom."
$fContj iHoiitl).
-f FEBl^a^RYvj^79. -\-
fftoriitanialjt JBnus.
AT WASHINGTON.
Moon's Perigee, 9d. 6h. eve.
Moon's Apogee, zsd. 7h. eve.
>•
6
2
X
^
at
Tiark,
ngt'n
time.
u,
B.
= r-^ 1=
d
0
Q
0
d
H. M. S.
32
I
Sat
12 13 5T
33
2
S
12 13 59
34
3
Mon
12 14 5
3S
4
lues
12 14 II
^6
S
Wed
12 14 16
^7
6
Thur
12 14 20
s8
7
Fri
12 14 23
39
8
Sat
12 14 26
40
9
s
12 14 27
41
10
Mon
12 14 28
42
II
Tues
12 14 28
43
12
Wed
12 14 28
44
13
Thur
12 14 26
4S
14
Fri
12 14 24
46
IS
Sat
12 14 21
47
16
ii
12 14 18
48
17
Mon
12 14 14
49
18
Tues
12 14 9
BO
19
Wed
12 14 3
51
20
Thur
12 13 57
52
21
Fri
12 13 50
S3
22
Sat
12 13 42
54
23
,s>
12 13 34
SS
24
Mon
12 13 25
Sb
2S
Tues
12 13 16
S7
26
Wed
12 13 6
58
27
Thur
12 12 55
59
28
Fri
12 12 44
Life Insurance
Phenomena
for the most health-,
ful portions of
THE United States,
THE Dominion of Canada
Great Britain and
Ireland,
France and Belgium.
During- the month
of February, 1878
the New- York Life
Insurance Compa-
ny paid forty-four
death-claims on
the lives of 36 per-
sons. The -whole
amount paid -was
$105,676.00, an
averag-e of nearly
$3000 to each fam-
ily. The premiums
paid on these pol-
icies, less the divi-
dends returned by
the Company,
amounted to $34,-
757.64, an averag-e
of a Uttle less than
$1000 per family.
The g-ain to the
families of the de-
ceased -was, there-
fore, $70,918.36,
an average of near-
ly $2000 each. For
each $100 paid to
the Company, they
received $304.03.
Calendar for
Boston, New England
N.Y. State, Michigan,
Wisconsin, Iowa,
and Oregon.
Sun
Sun
Moon
Rises
Sets.
Sets.
H. M.
H.M.
H. M.
7 14
5 14
2 54
7 13
5 15
3 53
7 12
5 17
448
7 10
5 18
5 35
7 9
5 19
1^15
7 8
5 21
rises
7 7
5 22
t>25
7 t>
5 21
740
7 S
5 2S
856
7 3
S 26
10 13
7 2
S 27
II 30
7 I
S 2«
morn
6 SQ
5 30
044
6 s8
5 31
2 0
6 56
5 32
3 8
t 55
5 33
4 5
b 54
■S 35
452
6 52
S 3b
5 30
6 51
S 37
6 0
6 4Q
S 39
sets
648
5 40
623
6 46
5 41
730
b 45
5 42
832
b 41
5 44
9 33
642
S 4=;
10 36
6 40
5 46
II 38
b 39
5 47
morn
b 37
5 49
0 40
H.W.
Boston
H.M.
617
7 22
8 23
9 26
10 25
11 19
ev. 3
0 41
1 21
2 4
2 50
3 39
4 36
5 44
659
8 8
9 II
10 7
1057
11 40
morn
0 13
044
1 16
1 51
2 28
3 8
3 52
Calendar for
N. Y. City, Philadelph.
Connecticut, new
Jersey, Pennsylvania
Ohio, Indiana and
Illinois.
Sun
Rises
H. M.
7 10
7 9
7 8
7 7
7 6
7 5
7 4
7 3
7 I
7 o
6 59
6 58
6 57
6 55
6 54
6 53
6 51
6 50
6 48
6 47
6 46
6 44
6 43
6 41
6 40
6 38
6 37
6 35
Sun
Moon
Sets.
Sets.
H.M.
H. M.
5 18
248
5 19
3 47
5 20
441
5 21
5 29
5 23
6 10
5 24
rises
5 25
6 27
5 26
741
5 28
85b
5 29
10 II
5 30
11 26
5 31
morn
5 32
0 42
5 34
I 55
5 35
3 I
53b
3 59
5 37
446
5 38
5 25
5 39
5 57
5 41
sets
5 42
b29
5 43
7 3°
5 44
831
5 45
931
5 46
10 32
5 48
II 29
5 49
morn
5 50
0 34
H.W.
N.Y.
H.M.
3 3
4 8
5 9
6 12
7 II
8 5
849
9 27
[O 7
10 50
11 36
ev.25
1 22
2 30
345
4 54
5 57
6 53
7 43
8 26
859
9 30
o 2
1037
II 14
54
morn
038
Calendar for
Washington,
Maryland, Vir-
ginia, Kentucky
Missouri and
California.
Sun
Sun
Rises
Sets
H.M.
H. M.
7 6
5 22
7 5
5 23
7 5
5 24
7 4
5 25
7 3
5 2b
7 2
5 27
7 0
5 28
b 59
5 30
b 58
5 31
b57
5 32
6 5b
5 33
b 55
5 34
b54
5 35
b 53
536
b 51
5 37
6 50
5 33
6 49
5 40
6 47
5 41
b 4b
5 42
b 45
5 43
6 44
5 44
6 42
5 45
6 41
54b
b 40
5 47
b 38
5 48
6 37
5 50
b 35
5 51
b 34
5 52
Moon
Sets.
H. M.
2 42
3 40
4 34
5 23
6 5
rises
6 29
7 42
855
[o 9
II 23
morn
037
1 49
2 55
3 S3
4 41
5 20
5 53
sets
6 30
7 30
8 29
9 29
10 28
11 28
morn
o 29
Moon's Phases.
Full Moon,
Third Quarter,
J^ New Moon,
#^^-
BOSTON.
H.
8
M.
S8
Evening.
2
ID
Evening.
II
19
Evening.
New-York.
H. M.
8 46 Evening.
I 58 Evening.
II 7 Evening.
Washington.
H. M.
8 34 Evening.
I 46 Evening.
10 55 Evening.
Charleston.
H. M.
8 22 Evening.
I 34 Evening.
10 43 Evening.
H. M.
7 52 Evening.
I 4 Evening.
10 13 Evening, j r
■ — s^-s^
¥^^
t
-* ¥PE ■:• NEW-Y0^K ■:• ^Iija^N;q[C. jjc-
'^
i
"^ YOUNG lady being asked by a rich bachelor,
fi. "If not yourself, who would you rather
be?" replied, sweetly and modestly, "Yours
truly."
B
Y the Old Bachelor. — 'W^len two girls meet,
they kiss. Wlien two young men meet,
they don't. That shows who needs kissing the
most.
i
■^^
^^M:
-^Ic JPPE V ]VEW-Y0^K •:• ^IiJ^^N^C.
T
TTTHERE are thousands of men who have not
X. money enough laid up to give them a decent
funeral if they should die, and whose families
in such a case would be plunged into utter and
hopeless poverty. They are living in comfort-
able circumstances on their wages, and they
hardly ever consider how their families would
get along if they themselves should die. It is^
a question that admits of an easy answer now,
because they could now get life insurance that
would support their families if they should die ;
but if they die without insurance the answer will
be very difficult.
rABBERTON accounts for the foolishness of
the small boy. " The small boy had a
father, and this father was once a small boy
himself."
PANICS cannot affect Life Companies as they
do banks and other great trust institutions.
The liabilities of the life company mature under
the law of mortality, which is steady and regular,
while those of other institutions depend more
upon human judgment, caprice, fickleness, etc.
There can be no such thing as a nin on a well-
managed life company. If it is so managed,
each man's money will be ready for him when it
is due, but people cannot, in a time of panic, ruin
the company and impair the safety of their own
savings. The terms upon which their invest-
ment is made prevent any such ruinous sacrifice
of their interest.
TTTHE Persians say of noisy, unreasonable talk:
X. "I hear the sound of the mill-stone, but I
see no meal."
JEfjirli iHontf).
^ M^RCpvJS79. -I-
ffl'ilfvfgsoiie Sana
At Washington.
Moon's Perigee, gd. 8h. eve.
Moon's Apogee, 25d. 8h. mo.
u,
d
'J. ,
>
S
^
b
u.
0
0
Q
d
1
Q
60
Sat
61
2
s
62
^
Mon
6^
4
Tues
64
■;
Wed
6^
b
Thur
66
7
Fri
67
8
Sat
68
P
a
bp
10
Mon
70
11
Tues
71
12
Wed j
72
IS
Thur
7^
14
Fri
74
IS
Sat 1
7S
16
a
7b
17
Mon
77
18
Tues
78
iq
Wed
7P
20
Thur
80
21
Fri 1
81
22
Sat
82
2^
-S i
8^
24
Mon
84
2S
Tues
»■;
26
Wed
86
27
Thur
87
28
FrL
88
2q
Sat
8q
^0
a
90
31
Mon
3 Sis
H. M. S.
2 12 33
2 12 20
2 12 8
2 II 55
2 II 41
2 II 27
2 II 12
2 10 57
2 10 42
2 10 26
2 10 II
2 9 54
2 9 38
2 9 21
294
2 847
2 8 29
2 8 12 I
2 7 54 I
2 7 36
2 7 18 j
270
2 6 42 I
2 6 23 I
2 6 5 I
2 5 47
2 5 28 j
2 s 10 :
4 52 ;
4 33]
415 '
LIFE INSURANCE CALENDAR FOR
PHENOMENA HBOSTON, NEW ENGLAND
FOR THE MOST HEALTH-') N.Y. STATE, MICHIGAN,
FUL PORTIONS OF [
THE United States,
the dominion of canada
Great Britain and
Ireland,
France and Belgium.
DTiring- the month
of March, 1878,
the New- York Life
Insurance Compa-
ny paid forty-five
death-claims, on
the lives of 37
persons. The
■whole amount paid
■was $166,412, an
average of over
$4600 to each fam-
ily. The premiums
paid on these pol-
icies, less the divi-
dends returned by
the Company,
amounted to $62,-
044.05, an averag-e
of a little less than
$1600 per family.
The g-ain to the
families of the de-
ceased -was, there-
fore, $104,367.95,
an average of over
$2800 each. For
each $100 paid to
the Company, they
received $264.99.
H. M.
6 35
5 46
S
Sun
Moon
Sets.
Sets.
H.M.
H. M.
5 50
I 40
5 51
23s
5 52
3 25
5 53
4 7
5 55
4 43
5 5b
514
5 57
rises
5 5a
6 32
5 59
7 5°
6 I
9 10
6 2
10 30
6 3
II 48
6 4
mom
6 5
0 59
6 6
2 I
6 7
251
b 9
331
6 10
4 3
6 II
430
6 12
4 53
b 13
5 14
6 14
sets
b 15
7 23
b 17
825
6 18
927
6 19
1028
6 20
II 29
6 21
morn
6 22
0 25
6 23
I 17
b 25
2 1
H.M.
4 44
5 45
6 52
7 57
8 58
9 55
1049
u 36
ev.i8
057
1 41
2 32
3 27
4 27
5 36
647
751
846
9 37
ID 23
II 4
II 40
morn
0 13
045
1 18
158
2 40
3 26
4 19
518
Calendar for
N. Y. City, philadelph,
Connecticut, New
Jersey, Pennsylvania
Ohio, Indiana and
Illinois.
Sun
Sun
Moon
Rises
Sets.
Sets.
H. M.
H.M.
H. M.
b 34
5 SI
I 33
6 32
5 S2
2 29
631
5 53
318
6 29
5 SS
4 2
628
5Sb
4 39
6 26
5 57
5 12
6 25
5 sS
rises
623
5 59
6 32
6 21
6 0
7 49
6 20
6 I
9 7
6 18
6 2
10 26
6 16
6 3
II 42
bis
6 S
morn
6 13
6 6
053
6 II
b 7
I 54
6 10
6 8
245
6 8
6 q
3 26
6 6
6 10
4 0
b 5
6 II
427
6 3
6 12
4 51
6 1
b 13
5 14
6 0
6 14
sets
5 58
6 IS
7 21
5 57
6 16
8 22
5 55
6 17
9 22
5 53
b 18
10 23
5 52
6 19
II 23
5 SO
6 20
mom
5 48
6 21
0 jg
5 47
6 22
I 10
5 45
6 24
I 55
Calendar for
Washington,
Maryland, Vir-
ginia, Kentucky
Missouri and
California.
Sun
Sun
Rises
Sets
H. M.
H.M.
6 32
5 53
D 31
5 54
6 29
5 54
b 28
S sb
6 26
5 57
6 25
5 S8
6 24
5 59
6 22
6 0
6 20
6 I
6 19
6 2
6 17
6 ^
b 16
6 4
6 IS
6 5
6 13
6 6
6 II
6 7
6 10
6 8
6 8
6 q
b 6
6 10
6 s
6 II
6 3
6 12
6 2
6 13
6 0
6 14
5 S9
b 15
5 57
b 16
5 SS
6 17
5 54
6 18
5 52
b 19
5 SI
6 20
5 49
6 21
S48
6 22
5 46
6 23
H. M.
1 27
2 22
3 12
3 57
4 35
5 9
rises
6 32
748
9 4
10 21
11 37
morn
0 46
1 48
2 39
3 21
3 55
4 24
4 50
5 13
sets
7 19
8 18
9 18
10 18
11 17
morn
0 12
1 4
I SO
Moon's Phases.
First Quarter,
Full Moon,
Third Quarter,
New Moon,
First Quarter,
D.
I
8
14
22
30
J^^
H. M.
3 14 Morning.
8 25 Morning.
10 57 Evening.
4 20 Evening.
8 21 Evening.
New-York.
H. M.
3 2 Morning.
8 13 Morning.
10 45 Evening.
4 8 Evening.
8 9 Evening.
Washington.
H. M.
2 50 Morning.
8 I Morning.
10 33 Evening.
3 56 Evening.
7 57 Evening.
Charleston.
H. M.
2 38 Morning.
7 49 Morning.
10 21 Evening.
3 44 Evening.
7 45 Evening.
Chicago.
h. m.
2 8 Morning.
7 19 Morning.
9 51 Evening.
3 14 Evening.
7 15 Evening.
~H-^-
i
-sit IPPE ■:■ JSlKW-yei^K ■:• ^ItMHN^C. )l!-
Clear Creek CanoiN, Colorado. [From Applctons'' Pac/yic /^ai/roiuh ///us/mtc-i/.]
[See Page 28.]
*
-^^1
f-
10
-* JPPE •:• j\IEW-¥6^K •:• ^IiM^jV^C.^K-
i^^
t
TITHE soundest business principles — those which
X. have a scientific basis — aim to reduce the
possibilities of loss to the minimum. No one
can hold himself blameless for a calamity which
he does not use all reasonable means to prevent.
A man may not be able to save his own life, but
he »za_j' prevent a part, at least, of the pecuniary
loss which his death would entail upon his family,
by taking a policy of insurance upon his life.
If he lives he can care for his family and pay the
premiums on his insurance ; if he dies the insur-
ance will be a sure support to his family.
T TORAL education is a better safeguard of
lol. liberty and justice than a standing army.
If we retrench the wages of the school-master,
we must raise those of the recruiting-sergeant. —
Everett.
IT is no small commendation to manage a little
well. He is a good wagoner who can turn in
a little room. To live well in abundance is the
praise of the estate, not the person. I will study
more how to give a good account of my little
than how to make it more.
TTf wo boys, going home one day, found a box
A in the road, and disputed who was the finder.
They fought the whole afternoon, without
coming to a decision. At last, they agreed to
divide the contents equally, but, on opening the
bo.x, lo and behold ! it was empty.
NATURE seldom makes a fool ; she simply
furnishes the raw materials, and lets the
fellow finish the job to suit himself — yosh
Billings.
Jouvtf) iMoii(f).
-f ^PRIIe:)879.
^
iirOirtn ©ans.
At Washington.
Moon's Perigee, 7d. sh, mo.
Moon's Apogee, 2id. ih. eve.
^
d
>
S
b
0
Q
Q
91
I
92
2
93
3
94
4
P.";
S
gb
6
97
7
98
8
99
9
100
10
lOI
II
102
12
103
'3
104
14
lOS
IS
106
16
107
17
108
18
109
19
110
zo
III
21
112
22
113
23
114
24
IIS
zs
116
26
117
27
118
28
119
29
120
30
Tues
Wed
Thur
Fri
Sat
;S
Mon
Tues
Wed
Thur
Fri
Sat
a
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Moil
Tues
Wed
H. M. S.
12 3 57
12 3 39
12 3 21
12 3 3
12 2 45
12 2 27
12
10
12 1 S3
12 I 36
12 I 20
12 I 3
12 O 47
12 O 32
12 O 16
12 O I
II 59 47
II 59 33
II 59 19
II 59 5
II 58 52
II 58 40
II 58 28
II 58 16
II 58 5
II 57 54
II 57 44
II 57 34
II 5725
II 57 16
II 57 7
Life Insurance
Phenomena
for the most health-
ful portions of
the united states
the dominion of canada
Great Britain and
Ireland,
France and Belgium
During- the month
of April, 1878, the
New -York Life
Insurance Compa-
ny paid thirty-
nine death-claims
on the lives of 37
persons. The
whole amount paid
was $96,977.00,
an average of over
$2600 to each fam-
ily. The premiums
paid on these pol-
icies, less the divi-
dends returned by
the Company,
amounted to $31,-
605.92, an averag-e
of a httle less than
$900 per family.
The g-ain to the
families of the de-
ceased was, there-
fore, $65,371.08,
an averag-e of over
$1700 each. For
each $100 paid to
the Company, they
received $306.83.
Calendar for
Boston, New England
N.Y. State, Michigan,
Wisconsin, Iowa,
AND Oregon.
H.M.
6 26
6 27
6 28
6 29
6 30
6 31
6 41
6 42
6 44
6 45
6 46
6 47
6 48
51
52
54
55
6 56
6 57
6 58
H. M.
2 39
3 II
3 40
4 C
4 31
rises
8 3
924
10 42
11 50
morn
0 46
1 31
2 6
2 34
258
3 20
340
4 o
4 21
sets
8 22
9 22
10 20
11 12
II 57
morn
037
I 10
138
H. M.
6 22
7 26
8 24
9 20
10 15
11 6
II 54
ev.38
1 26
2 20
3 17
4 17
5 19
6 21
7 19
8 10
857
941
10 24
11 5
II 43
morn
o 20
0 54
1 35
2 20
3 7
3 57
4 50
5 49
Calendar for
N. Y. City, Philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
H. M.
5 43
5 42
5 4°
538
5 37
5 35
5 34
5 32
H.M.
6 25
6 26
6 27
6 28
& 29
6 30
6 31
6 32
633
6 34
6 35
6 36
6 37
6 38
6 39
6 40
6 41
6 42
6 43
6 44
6 45
6 46
6 47
6 48
6 49
6 51
6 52
6 53
6 54
655
H. M.
233
3 8
338
4 5
4 32
rises
7 59
9 19
1035
II 43
morn
0 40
1 25
2 I
2 31
2 56
3 19
3 40
4 2
4 24
sets
8 16
9 i5
10 13
11 6
II 52
morn
0 31
1 6
I 36
H.M.
3 8
4 12
5 10
6 6
7 I
752
8 40
9 24
10 12
11 6
ev. 3
1 3
2 5
3 7
4 5
4 56
5 43
6 27
7 10
7 51
8 29
9 6
9 4°
10 21
11 6
II 53
morn
043
1 36
2 35
Calendar for
Washington,
Maryland, Vir-
ginia, Kentucky
Missouri and
California.
5 2616 35
5 25 6 36
5 23 1 6 37
5 22 j 6 38
5 20 6 39
Moon's Phases.
Full Moon,
Third Quarter,
I New Moon,
jk First Quarter,
Boston.
H. M.
5 40 Evening.
9 25 Morning.
9 II Morning.
9 32 Morning.
New-York.
H. M.
5 28 Evening.
9 13 Morning.
8 59 Morning.
9 20 Morning.
Washington.
H. M.
5 16 Evening.
9 I Morning.
8 47 Morning.
Charleston.
H. M.
5 4 Evening.
8 49 Morning.
8 35 Morning.
9 8 Morning. i 8 56 Morning.
f^'
4 34 Evening.
8 19 Morning.
8 5 Morning.
8 26 Morning. j|r
-^^^1
-t ¥PE •:• NEW- Y0^K •:• ^IiJIHN^C.
^^M
m
11
4
TITHE most perilous hour of a person's life is
X when he is tempted to despond. The man
who loses his courage loses all ; there is no more
hope of him than of a dead man. But — it matters
not how poor he may be, how much pushed by
circumstances, how much deserted by friends,
how much lost to the world — if he only keeps his
courage, holds up his head, works on with his
hands, and with imconquerablc will determines to
be and to do what becomes a man, all will be well.
12
^: ¥PE •:• ]V[EW-Y0^K •:• ^Iija^N^C.
IN every community it happens, sooner or later,
that. some man dies and leaves his family
unprovided for. His wife must bear the bur-
dens of the family support, in addition to her
own burden of sorrow ; children must be pinched
in educational facilities, in an age when to be
ignorant is to be weak. This is unnecessary ;
sometimes it is culpable. If all who have fami-
lies should insure their lives in a good company,
the bereaved and the fatherless would be cared
for without laying grievous burdens upon any ;
and those who were spared to see their children
grow up about them would do so with the
happy consciousness that no sudden calamity to
themselves could beggar, as well as bereave,
their offspring. How many anxious hours such
a provision saves a man, none ever knows ex-
cept he who makes it.
TT PROMISE should be given with caution, and
/a kept with care. A promise should be made
with the heart and remembered by the head.
A promise is the offspring of the intention, and
should be nurtured by recollection. A promise
and its performance should, like a true balance,
always present a mutual adjustment. A promise
delayed is justice deferred. A promise neglected
is an untruth told.
WHEN sorrow comes, how easy it is to
remember pleasure ! When in winter the
bees cannot make new honey, they consume the
old. — Thoremi.
Don't despise your poor relations. They
might get rich sometime, and then it would
be so hard to explain things. — "Josh Billings.
Jiftf) JHoiilIi.
^
MHY:lS79.
^
STIjivtjisonc Sans.
At Washington.
Moon's Perigee, 5d. 4h. eve.
Moon's Apogee, i8d. 4h. eve.
>•
d
II.
u.
a~.Bc
P
0
d
0
Q
H. M. S.
121
I
Thur
n 57 0
122
2
Fri
II 56 52
I2S
3
Sat
II 56 46
124
4
A
II 5639
I2S
■;
Mon
II 56 34
125
6
Tues
11 56 29
127
•J
Wed
II 5624
128
8
Thur
11 56 19
I2q
P
Fri
II 56 17
I^iO
10
Sat
II 56 14
ic,i
11
a
II 56 12
1:52
12
Mon
II 56 10
I-!-!
13
Tues
II 56 9
I.H4
14
Wed
II 56 9
iSS
IS
Thur
II 56 9
1^6
16
Fri
II 56 10
n7
17
Sat
II 56 II
13a
18
s
II 56 13
1^0
19
Mon
II 56 15
140
20
Tues
II 56 18
141
21
Wed
II 56 22
142
22
Thur
II 56 26
143
23
Fri
II 5631
144
24
Sat
II 5636
I4';
25
s
II 5641
146
26
Mon
■II 5647
147
27
Tues
II 56 54
148
28
Wed
II 57 I
149
29
Thur
II 57 9
ISO
.3°
Fri
II 5716
151
31
Sat
II 5725
LIFE INSURANCE
PHENOMENA
FOR THE MOST HEALTH-
FUL PORTIONS OF
THE LFnited States,
THE Dominion of Canada
Great Britain and
Ireland,
France and Belgium.
Duringr the month
of May, 1878, the
Ne-wr-York liife
Insurance Compa-
ny paid forty-one
death-claims, on
the lives of 37
persons. The
•whole amount paid
was $111,291, an
averag-e of over
$3000 to each fam-
ily. The premiums
paid on these pol-
icies, less the divi-
dends returned by
the Company,
amounted to $40,-
310.44, an average
of a little less than
$1100 per family.
The g-ain to the
families of the de-
ceased -was, there-
fore, $70,980.56,
an averag-e of over
$1900 each. For
each $100 paid to
the Company, they
received $276.08.
Calendar for
Boston, new England
N.Y. State, Michigan,
Wisconsin, Iowa,
and Oregon.
H. M.
4 55
4 53
4 52
4 47
4 46
4 45
4 43
4 42
4 41
4 40
4 39
4 38
4 30
4 29
H.M.
6 59
7 o
7 I
7 3
7 4
7 5
7 6
7
H. M.
2 5
2 30
7
7 10
7 II
7 12
7 13
7 14
7 15
7 16
7 17
7 18
7 19
7 20
7 21
7 22
7 23
7 24
7 25
7 26
7 27
7 27
7 28
7 29
3 23
nses
8 14
9 29
, , 10 32
8 III 23
9 morn
o 3
035
I 24
1 45
2 5
2 26
249
3 15
sets
8 14
9 8
9 56
1037
II II
II 4!
morn
o- 7
o 31
0 56
1 22
H. M.
6 50
748
844
940
1039
II 35
ev.25
1 14
2 9
3 3
358
4 49
542
635
7 26
8 II
8 58
9 44
10 30
11 16
II 58
morn
038
1 18
2 2
2 48
3 33
4 22
5 14
6 II
7 12
Calendar for
N. Y. City, Philadelph.
Connecticut, new
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Sun Sun Moon H. W.
Rises Sets. Sets. N. Y.
H. M.
4 58
4 57
4 56
54
S3
52
SI
50
49
4 47
4 46
4 44
4 43
4 42
4 42
4 41
4 40
4 39
4 38
4 37
4 37
36
35
35
34
I 4 33
I 4 33
I 4 32
1 4 32
i 4 31
H.M.
6 56
6 57
5 58
6 59
7 o
7 I
7 2
7 3
7 4
7 5
7 6
7 7
7 8
7 9
7 10
7 II
7 12
7 13
7 14
7 19
7 20
7 21
7 21
7 22
7 23
7 24
H. M.
2 4
2 30
2 57
3 26
rises
9 22
10 26
11 18
II 59
morn
059
I 23
1 45
2 7
2 29
2 52
3 19
sets
8 8
9 2
9 50
10 31
11 7
II 38
morn
o 6
o 31
0 57
1 24
H.M.
3 36
4 34
5 30
6 26
7 25
8 21
9 12
10 o
i°5S
11 49
ev.42
1 35
2 28
3 21
4 12
4 57
5 44
6 30
7 i&
8 2
844
9 24
10 4
10 48
11 34
morn
o 19
2 57
3 58
Calendar for
Washington,
Maryland, Vir-
ginia, Kentucky
Missouri and
California.
Sun
Sun
Rises
Sets
H. M.
H.M.
5 2
6 52
5 I
0 53
4 59
t> 54
4 58
b 55
4 57
6 56
4 56
& 57
4 55
6 58
4 54
b 59
4 53
7 0
4 52
7 I
4 51
7 2
4 50
7 3
4 49
7 3
4 48
7 4
4 47
7 5
446
7 6
4 45
7 7
4 44
7 8
4 44
7 9
4 43
7 10
4 42
7 "
4 42
7 II
4 41
7 12
4 40
7 13
4 40
7 14
4 39
7 15
4 38
7 IS
4 38
7 16
4 37
7 17
4 37
7 18
4 37
7 18
2 30
2 59
3 39
rises
8 2
9 16
10 20
11 12
II 54
morn
0 28
057
1 22
1 45
2 8
2 31
2 56
3 24
sets
8 2
85s
9 44
10 26
3
11 35
morn
o 3
0 31
058
1 26
Moon's phases.
Full Moon,
Third Quarter,
New Moon,
J I First Quarter,
eJWi— —
Boston.
h. m.
I 28 Morning.
9 52 Evening.
I 6 Morning.
6 52 Evening.
NEW- YORK.
I 16 Morning.
9 40 Evening,
o 54 Morning.
6 40 Evening.
Washington.
Charleston.
H. M.
I 4 Morning.
9 28 Evenmg.
o 42 Morning.
6 28 Evening.
h. m.
o 52 Morning.
9 16 Evening,
o 30 Morning.
6 16 Evening.
Chicago.
h. m.
o 22 Morning.
8 46 Evening,
o I Morning.
5 46 Evening.
• 1-
-Nc ¥PE •:• ]\[EW-Y0P(K •:• ^Lja^N^C. 3}^
.^>m
"TT POLITICAL speaker accused a rival of "un-
fl. fathomable meanness," and then, rising to
the occasion, said, " I warn him not to persist in
his disgraceful course, or he'll find that two of us
T. can play at that game."
n
LITTLE boy was sent to a Store for some eggs.
Before reaching home he dropped them. In
answer to his mother, who asked: "Did you
break any?" he replied: "No, I didn't break
any, but the shells came off some of Ihcm."
fs«
h
-^-««
¥l<^^
-^^M
14
^ic 3FPE V j^EW-Y0I^K V n^J^WWGA^
f
TJ WILD boar was sharpening his tusks against
Ax a tree, when a fox coming by asked why he
did so ; "I see no reason for it," said he, " there
is neither hunter nor hound in sight, nor any
other danger that I can see at hand." " True,"
replied the boar ; " but when danger does arise,
I shall have something else to do than to sharpen
my weapons." — ^sop.
Moral : It is too late to whet the sword when
the trumpet sounds to battle ; it is too late to
secure life insurance when accident or disease
proclaims that one's family will soon need it.
■TT BAYONET charge and its results are thus
jx. described by an unknown Chinese author :
" Soldier he come on, he come on, he come on
quite near, we go 'way. How can two men
stand on one spot, so?"
w
thl:
HATEVER makes the past or the future
predominate over the present, exalts us in
scale of thinking beings. — yohnson.
0FTENER ask than decide questions ; this is
the way to better your knowledge ; your ears
teach you, not your tongue; so long as you are
ignorant, be not ashamed to be instructed ; if
you cannot satisfy yourself, seek satisfaction
elsewhere ; all know not alike, and none all
things ; you may help another and he you.
BROUGHAM, speaking of the salary attached to
the rumored appointment of anew judgeship,
said it was all moonshine. Lyndhurst, in his
dry and waggish way, remarked, " It may be so ;
but I have a strong notion that, moonshine though
it be, you would like to see the first quarter of it. "
.SiitJ iHontI).
^
ja]S[E:]S5?9.
^
Efjiila JBnu0.
At Washington.
Moon's Perigee, 3fi. oh. mo.
Moon's Apogee, isd. sh. mo.
OS
d
>
S
to
It
0
Q
Q
152
I
153
2
154
3
i.'iS
4
156
•■;
i,S7
6
i.S«
7
iM
8
160
q
i6i
10
162
II
16,
12
164
13
lbs
14
166
IS
167
16
i6»
17
169
18
170
19
171
20
172
21
173
22
"74
23
17.S
24
176
25
177
2b
17»
27
179
28
ido
29
181
30
;a5
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
s
Mon
Tues
Wed
Thur
Fri
Sat
,s
Mon
Tues
Wed
Thur
Fri
Sat
Mon
' c3 bJD.§
i^B
H. M. S.
II 57 33
II 57 43
II 57 52
II 58 2
II 58 12
II 58 23
II 58 33
II 5845
II 5856
II 59 8
II 59 20
II 59 32
II 59 44
11 59 57
12 o 10
12 o 22
12 o 35
12 o 48
12 I I
12 I 15
12 I 28
12 I 41
12 I 54
1227
12 2 19
12 2 32
12 2 45
12 2 57
12 3 9
12 3 21
Life insurance
Phenomena
for the most health
ful portions of
the united states,
THE Dominion of Canada
Great Britain and
IRELAND,
France and Belgium,
During: the month,
of June, 1878, the
Ne'W-York Life
Insurance Compa-
ny paid t'wenty-
eight death-claims
on the lives of 25
persons. The
■whole amount paid
■was $79,593.00,
an averag-e of over
$3 100 to each fam-
ily. The premiums
paid on these pol-
icies, less the divi-
dends returned by
the Company,
amounted to $23,- |
552.99, an average ]
of a little less than j
$1000 per family.
The g-ain to the |
families of the de- |
ceased -was, there-
' fore, $56,040.01, I
an averag-e of over
$2200 each. For \
each $100 paid to
I the Company, they !
: received $337.93. |
Calendar for
Boston, new England
N.Y. State, Michigan,
Wisconsin, Iowa,
and Oregon.
Sun Sun Moon H. W.
Rises Sets. Sets. Boston
H.M.
7 30
39
39
39
39
7 40
7 4°
7 40
7 40
7 41
:7 41
|7 41
24 7 41
24 7 41
25 7 41
25 7 41
h. m.
1 50
2 24
rises
813
9 II
958
10 34
11 2
II 27
II 49
morn
o 9
0 30
052
1 17
1 45
2 19
2 59
sets
837
9 13
9 45
10 12
10 36
11 o
II 24
II 30
morn
o 20
h. m.
813
915
10 20
11 22
ev. 16
1 4
1 53
2 40
3 25
4 10
4 56
5 44
63s
7 26
8 16
9 8
10 o
10 52
11 41
morn
0 23
1 2
1 43
2 26
3 .8
3 53
442
5 39
644
7 55
Calendar for
N. Y. City, Philadelph,
Connecticut, New
Jersey, Pennsylvania
I Ohio, Indiana and
Illinois.
Calendar for
Washington,
Maryland, Vir-
ginia, Kentucky
Missouri and
California.
|sun
Sun
Moon
Rises
Sets.
Sets.
H. M.
H.M.
H. M.
4 31
7 25
I 54
|4 30
7 25
2 29
[4 30
7 26
rises
14 30
7 27
8 6
|4 29
7 27
9 5
4 29
7 28
9 53
4 29
7 29
10 30
4 28
7 29
II 0
4 28
7 30
II 26
4 28
7 3°
II 48
\ 4 28
7 31
morn
1 4 28
731
0 ID
4 28
7 3'
032
! 4 28
7 32
055
4 28
7 33
I 21
4 28
7 33
I 50
54 28
7 33
2 26
i4 28
7 34
3 t>
4 28
7 34
sets
4 28
7 34
831
4 29
7 35
9 9
4 29
7 35
941
4 29
7 35
10 10
4 29
7 35
1035
4 30
7 35
II 0
4 30
7 35
II 25
4 .11
7 35
II 53
4 31
7 35
morn
4 31
7 35
0 25
4 32
7 35
1 7
H.M.
4 59
6 I
7 6
8 8
9 2
9 50
10 39
11 26
ev. II
0 56
1 42
2 30
3 21
4 12
5 2
5 54
646
738
827
9 9
948
10 29
11 12
II 54
morn
039
1 28
2 25
3 30
441
Isun
Sets
H.M.
7 19
7 20
7 20
7 21
7 22
7 22
7 23
7 23
7 24
7 25
7 25
7 25
7 26
726
7 27
7 27
7 27
7 28
7 28
7 28
7 29
7 29
7 29
7 29
7 29
7 29
7 29
7 29
7 29
7 29
H. M.
158
2 34
rises
8 I
859
946
10 26
10 57
24
48
morn
O II
0 34
058
1 25
1 5b
2 32
3 15
sets
8 26
9 4
938
10 8
1035
11 I
29
II 56
morn
0 30
1 9
Moon's Phases.
Full Moon,
Third Quarter,
New Moon,
:^ First Quarter,
H. M.
8 52 Morning.
0 12 Evening.
3 35 Evening.
1 12 Morning.
New-York.
H. M.
8 40 Morning.
12 o Noon.
3 23 Evening.
I o Morning.
Washington.
H. M.
8 28 Morning.
II 48 Morning.
3 II Evening,
o 48 Morning.
Charleston.
H
M.
8
16
Morning.
II
36
Morning.
2
59
Evening.
0
36
Morning.
w^^
H. M.
7 46 Morning.
II 6 Morning.
2 29 Evening,
o 6 Morning, xk
—5-^%
%^'
16
-Mc ¥PE •:• J^EW-yei^K •:• ^L^^jV^C.*-
IJ DOCTOR had been, for some time, attending
Jl. upon a sick man, who, however, died under
his hands. At the funeral the doctor went about
among the relations, saying, " If our poor friend
had only refrained from wine, and attended to
his diet, and used proper remedies in time, he
would not now be lying there." One of the
mourners answered him, " My good sir, it is of
no use your saying this now ; you ought to have
prescribed these things when your patient was
alive to take them." — yEsoJ>.
Moral : The best advice may come too late ;
never speak to a family of life insurance, if its
head has died without it.
TTTHE wealth of a man is the number of things
X which he loves and blesses, which he is
loved and blessed by. — Carlyle.
NO MAN is so foolish but he may give good
advice at times, no man so wise but he may
err if lie takes no counsel but his bwn.
" Tjovv flagrant it is," said Mrs. Partington as
IjL she sniffed the odor of a bottle of Jamaica
ginger. " It is pleasant to the oil factories as it
is warming to the diagram, and so accelerating
to the cistern that it makes one forget all pain,
like the ox-hide gas that people take for the tooth-
ache. It should have a place in every home where
people are subject to bucolics and such like
melodies.
T ET us rather consider what we ought to do
J_k ourselves, than hearken after the doings of
others. The stories of our neighbors' error tend
but little to the reformation of our own.
5c6entJ) iWouti).
-f
jaL¥:]S79.
^
2Cf)irta=tmc IBagg.
Moo
n's Apogee, I2cl. loh. eve.
Moon's Perigee, 27d. loh. eve.
6
at
Tiark,
ngt'n
time.
U.
II.
h
c „XI c
Q
0
Q
0
Q
H. M. S.
182
I
Tues
12 3 33
i8^
2
Wed
12 3 44
184
3
Thur
12 3 55
i8s
4
Fri
1246
186
S
Sat
12 4 16
187
6
s
12 4 27
i8ii
7
Mon
12 4 36
i8q
8
Tues
12 4 46
iqo
P
Wed
12 4 55
iqi
10
Thur
12 5 4
192
11
Fri
12 5 12
193
12
Sat
12 5 20
194
13
a
12 5 27
iq.s
14
Mon
12 5 34
196
IS
Tues
12 5 41
197
lb
Wed
12 5 47
iq8
17
Thur
12 s 52
iqq
18
Fri
12 5 57
200
IQ
Sat
1261
201
20
#
12 6 5
202
21
Mon
12 6 9
20^
22
Tues
12 6 II
204
2^
Wed
12 6 14
20s
24
Thur
12 6 15
206
2S
Fri
12 6 16
207
26
Sat
12 6 16
208
27
«,
12 6 16
209
28
Mon
12 6 15
210
29
Tues
12 6 14
211
^0
Wed
12 6 12
212
31
Thur
1269
i,ife insurance
phenomena
for the most health-
ful portions of
the united states,
the dominion of canada
Great Britain and
IRELAND,
France and Belgium.
During- the month i
of July, 1878, the I
New^-York Life
Insurance Compa-
ny paid forty-nine
death-claims, on
the lives of 35
persons. The
whole amount paid
was $166,542.76
an average of over
$4700 to each fam-
ily. The premiiuns
paid on these pol-
icies, less the divi-
dends returned by
the Company,
amounted to $72,-
373. 16, an average
of but little over
$2000 per family, j
The grain to the '.
families of the de-
ceased w^as, there-
fore, $94,169.60,
an averag-e of near-
ly $2700 each. For
each $100 paid to
the Company, they
received $230.11.
Calendar for
Boston, New England
N. Y. STATE, Michigan,
Wisconsin, Iowa,
and Oregon.
Sun
Sun
Moon
Rises
Sets.
Sets.
H. M.
H.M.
H. M.
4 27
7 41
I 44
4 27
7 41
2 42
4 28
7 40
nses
4 28
7 40
8r9
4 29
7 40
9 I
4 30
7 40
9 28
4 30
7 39
9 51
4 31
7 39
10 13
4 32
7 38
1037
4 32
7 3»
10 55
4 33
7 37
II 18
4 34
7 37
II 45I
4 35
7 3b
morn
4 35
7 3^
017
4 3b
7 35
0 50
4 37
7 35
I 43
4 3«
7 34
238
4 39
7 33
sets
4 40
7 32
7 47
4 41
7 32
8 16
4 42
7 31
8 41
4 43
7 30
9 5
4 43
7 29
9 29
4 44
7 28
9 54
4 45
7 27
10 23
4 46
7 26
1058
4 47
7 25
II 39
4 48
7 24
morn
4 49
7 23
0 31
4 50
7 22
I 33
4 51
7 21
2 43
Calendar for
N. Y. CITY, Philadelph.
Connecticut, new
Jersey, Pennsylvania,
OHIO, Indiana and
Illinois.
Sun
H.M.
9 ?
II 12
ev. 4
o 46
2 10
249
328
4 10
4 55
5 45
642
7 39
836
9 34
10 30
11 21
morn
2 42
3 27
4 18
5 17
6 29
742
852
9 59
! 4 36
!4 36
i4 37
I 4 38
14 38
1 4 39
4 40
4 41
H.M.
7 35
7 35
7 35
7 34
7 34
7 34
7 34
7 33
7 33
7 33
7 32
7 32
7 31
7 31
7 30
9
9
Moon H. W.
4 47
4 48
4 49
4 50
4 51
4 52
4 53
4 54
4 55
4 56
Sets.
H. M.
1 51
2 49
rises
8 24
858
9 26
9 50
10 13
1035
10 58
11 22
II 50
morn
0 23
1 3
1 55
2 52
sets
7 43
813
8 40
9 5
9 31
9 57
10 27
11 3
II 45
morn
0 38
1 40
2 49
N.Y.
H.M.
5 46
654
758
8 50
9 32
10 14
10 56
11 35
ev.14
0 56
1 41
2 31
328
4 25
5 22
6 20
7 i&
8 7
851
9 28
10 6
1047
ji 28
morn
0 13
1 4
2 3
3 15
4 28
538
645
1 Calendar for
] Washington,
I Maryland, viR-
^ginia, Kentucky
Missouri and
California.
H. M.
4 38
4 41
4 41
4 42
4 43
4 44
4 45
4 45
4 46
4 47
4 48
H.M.
7 29
7 29
7 29
7 29
7 28
7 28
7 28
7 28
7 27
7 27
7 26
7 26
7 25
7 25
7 24
7 24
7 23
7 22
7 22
7 21
7 20
7 19
7 19
7 18
7 17
7 16
7 15
7 14
7 13
7 12
7 II
H. M.
158
2 57
rises
8 19
85s
9 24
9 50
10 14
1037
11 o
II 27
II 56
morn
0 29
1 10
1 57
2 52
sets
7 39
8 10
839
9 5
9 32
10 o
10 31
11 9
11 52
Horn
045
1 50
2 56
Moon's Phases.
Full Moon,
Third Quarter,
New Moon,
A First Quarter,
#^^-
Boston.
H. M.
4 54 Evening.
4 10 Morning.
4 22 Morning.
5 52 Morning.
New-York.
H. M
4 42 Evening.
3 58 Morning.
4 10 Morning.
5 40 Morning.
Washington.
H. M.
4 30 Evening.
3 46 Morning.
3 53 Morning.
5 28 Morning.
Charleston.
H. M.
4 18 Evening.
3 34 Morning.
3 46 Morning.
5 16 Morning.
Chicago.
H. M.
3 48 Evening.
3 4 Morning.
3 16 Morning.
4 46 Morning.
^^^
■^c ipE v j\[EW-¥8]^K V n^M7iW(^-^^
-^^i
>
mmA
H,11P
k
v4'
IT is not what people eat, but what they digest,
that makes them strong. It is not what they
gain, but what they save, that makes them rich,
i It is not what they read, but what they remem-
ber, that makes them learned. It is not what
they profess, but what they practice, that makes
them righteous. Gluttony, waste, heedlessness,
hypocrisy — these are our dangers.
^^
t
18
->3}c TPE •:• NEW-¥0^K :• n^JinW(^.t-
-^-^•|i*
0N a cold, frosty day, an ant was dragging out
some of the com which he had laid up in
summer- time, to dry it. A grasshopper, half
perished with hunger, besought the ant to give
him a morsel to preserve his life. " What were
you doing," said the ant, "all last summer?"
"Oh," said the grasshopper, "I was not idle.
I was singing all the summer long." "Well,"
said the ant, laughing and shutting up his
granary, "since you could sing all summer, you
may dance all winter." — Aisop.
Moral : Winter finds out what summer lays
by. Insure your life while you may.
TJ Paisley publican was complaining of his
jx. servant-maid that she could never be found
when required. " She'll gang oot o" the house,"
said he, " twenty times for ance she'll come in."
IN order that the human faculties may work
with the greatest energy and harmony, the
heart must be in the head, and the head in the
heart. Never does the mind operate so power-
fully, and with such truth and beauty of result,
as when the faculty of cognition co-works with
the faculty of feeling. If these two faculties
become one and indivisible in action, the result
is not merely truth, but living- ixvSh : truth fused
and glowing with all the feeling of the heart, and
feeling mingled with, and made substantial by,
all the truth of the head. The light is heat, and
the heat is light.— Z)r. Shedd.
TITHERE are lots of folks in this world who,
X. rather than not find any fault at all, wouldn't
hesitate to say of an angle-worm, that his tail
was altogether too long for the rest of his body.
Eigfjtf) IHonfl).
+ ^aeagTv jS79. ^
JETftirtB^oue Days.
At Washington.
Moon's Apogee, gd. 4h. eve.
Moon's Perigee, 22d. zh. mo.
i.
d
>
S
u.
0
Q
D
213
I
214
2
21 S
3
216
4
217
S
2lb
6
219
7
220
8
221
9
222
10
223
II
224
12
22s
13
226
14
227
15
228
16
229
17
230
18
231
19
232
20
233
21
234
22
as.")
23
23tl
24
237
2S
238
26
239
27
240
28
241
29
242
30
243
31
Fri
Sat
Moil
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
"g.i
H. M. S.
266
262
2 5 57
2 S 52
2 S 46
2 5 40
2 5 33
2 5 26
2 5 18
2 5
2 5
3 41
3 28
3 14
2 45
2 29
2 14
I 58
I 41
I 24
I 7
o 49
Life insurance
Phenomena
for the most health-
ful portions of
THE United States,
THE Dominion of Canada:
Great Britain and
Ireland,
France and Belgium.
During- the month
of August, 1878,
the New- York Life
Insurance Compa-
ny paid forty-three
death-claims on
the lives of 38 per-
sons. The whole
amoiint paid was
$188,707.00, an
averag-e of over
$4900 to each fam-
ily. The premiums
paid on these pol-
icies, less the divi-
dends returned by
the Company,
amounted to $79,-
008. 10, an averag-e
of a little more than
$2000 per family.
The g-ain to the
families of the de-
ceased -was, there-
fore, $109,698.90,
an averag-e of over
$2800 each. For
each $100 paid to
the Company, they
received $238.84.
Calendar for i
Boston, new England
N.Y. State, Michigan,
Wisconsin, Iowa,
AND Oregon.
Calendar for
N. Y. City, philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana AND
Illinois.
Calendar for
Washington,
Maryland, Vir-
ginia, Kentucky
Missouri and
California.
Sun
Rises Sets.
H. M.
4 52
H.M. H. M.
7 20
7 19
7 18
7 16
7 15
7 14
7 13
7 II
7 10
7 9
7 7
7 6
7 4
7 3
7 2
7 o
6 59
6 57
6 56
6 54
6 51
6 49
5
5
S 19 I 6 45 morn
5
5
5
5
5
I 6 46
6 43
6 41
6 40
6 38
Moon H. W. I
nses
7 28
7 53
8 IS
8 36
858
9 22
946
10 i5
10 52
11 35
morn
0 26
1 25
2 31
3 40
sets
7 9
7 34
7 59
6 52 8 27
9
9 39
10 27
25
0 3
1 41
253
4 4
23, .,
24 16 36! rise'
Sun
.Snr
Moon
Rises
Sets.
Rises
H. M.
H.M.
H. M.
456
7 16
nses
4 57
7 15
7 26
4 58
7 14
752
4 59
7 12
815
5 0
7 II
838
5 I
7 10
9 0
5 2
7 9
924
5 3
7 8
9 SI
5 4
7 t>
10 22
5 S
7 5
10 58
5 b
7 4
II 42
5 7
7 2
mom
5 «
7 I
°33
5 9
7 0
I 32
5 10
b 58
2 36
5 II
657
3 44
5 12
6 S6
sets
5 13
654
7 8
5 14
0 53
7 34
5 15
6 S2
8 2
5 16
6 50
831
s 17
6 48
9 5
5 18
047
9 45
5 19
t>45
1034
5 20
b 44
II 32
5 21
6 42
morn
5 22
641
037
5 23
b 39
I 47
5 24
b 38
2S8
5 25
b 36
4 7
5 2t.
b 34
nses
Sun
H.M.
7 44
831
9 II
9 45
10 22
1058
11 35
ev. 15
059
1 49
2 48
3 52
4 53
5 52
6 49
7 41
8 27
9 6
942
10 22
11 7
II 55
morn
0 50
1 54
3 8
4 22
5 26
626
7 19
8 5
H. M.
5 I
5 2
5
S
S B
5 9
5 10
5 II
S 12
5 13
|5 17
Is 18
'5 19
5 20
5 21
5 22
5 23
S 23
5 24
!s 25
|S 26
is 27
Is 28
H. M.
rises
7 23
7 51
8 IS
839
9 2
9 28
9 56
10 28
i|ii 5
OJ II 49
S9 mom
58 I o 40
56 1 I 39
6 55 i 2 42
6 54 I 3 49
6 52
6 51
6 50
6 49
6 47
6 46
6 44
6 43
6 41
6 40
6 38
sets
7 8
7 35
8 4
835
9 10
9 52
10 41
11 39
mom
044
I 53
3 2
4 10
rises
Moon's Phases.
Full Moon,
Third Quarter,
New Moon,
.-. First Quarter,
^ Full Moon,
f^^
Boston.
H. M.
2 28 Morning.
9 25 Evening.
3 26 Evening.
10 28 Morning.
2 14 Evening.
New-York.
H. M.
2 16 Morning.
9 13 Evening.
3 14 Evening.
10 16 Morning.
2 2 Evening.
Washington.
H. M.
2 4 Morning.
9 I Evening.
3 2 F.vening.
10 4 Morning.
I 50 Evening.
Charleston.
1 52 Morning.
8 49 Evening.
2 50 Evening.
9 52 Morning.
I 38 Evening.
Chicago.
H. M.
1 22 Morning.
8 19 Evening.
2 20 Evening.
9 22 Morning.
I 8 Evening.
%^
w®
i-^rfS
¥PE V ]MEW-Y8]^K •:• ^IiM^N^O. :\^~
19
f
^
TTFHERE IS one social dishonor about whicli no
X one thinks it is worth while to say much in
rcjirobation, but which docs more harm than any
other known to us — we mean the dishonor of
&-■
repeatingconversations, opinions, circumstances,
not made under promise of secrecy, but which a
high sense of honor would treat as confidential,
if, haply, a high sense of honor were the rule.
'^^
f
^M-
20
-$ JPPE V J^EW-YG^K V ^Dja^N^C.JN-
"TTearfully and wonderfully made" is the
x'* human body, and the human mind that
controls • it. No work of man was ever so
delicately adjusted, or capable of such wondrous
service ; but, on the other hand, none is so liable
to unforeseen disasters which no human skill or
power can remedy. It is because family life,
with its infinite possibilities of sorrow or of joy, is
built upon a foundation that is constantly liable
to be swept away, that life insurance is an abso-
lute necessity to men who would make sure that
their own death will not bring pecuniary embar-
rassment or actual poverty, as well as sorrow,
upon their families.
PE is not rich that has much, but he that has
enough. He is poor that covets more, and
yet wants a heart to enjoy what he already has.
NEVER pronounce a man to be a willful nig-
gard until you have seen the contents of his
purse. The distribution should be in accord-
ance with the receipts.
NOTHING is easier than fault-finding. No
talent, no self-denial, no brains, no character,
are required to set up in the grumbling business.
But those who are moved by a genuine desire to
do good have little time for murmuring or
complaint. — Robert West.
BOY undertook to torture a wasp by touching
a lighted match to its body. The wasp
applied its warm side to the boy's hand, and as
it flew away it gave the boy these words of
wisdom: " Never try to beat a man at his own
game."
KintI) fHoiitlj.
^ ^EP¥EMBE^vJS79. ^r
OTijirtD Sans,
At Washington.
Moon's Apogee, 6d. iih. mo.
Moon's Perigee, i8ci. 8h. mo,
oi
d
^
■f
S
^
%
Ix.
6.
0
0
Q
Q
d
244
I
Mon
24.S
2
Tues
246
^
Wed
247
4
Thur'
248
S
Fri
24Q
6
Sat
2, SO
7
a
251
8
Mon
2S2
P
lues
2SS
10
Wed !
2S4
II
Thur
2SS
12
Fri
2S6
i^
Sat
257
14
S
2S«
IS
Mon
2 SO
16
Tues
260
17
Wed
261
18
Thur
262
iq
Fri
26^
20
Sat
264
21
s
26s
22
Mon
266
2^
Tues
267
24
Wed
268
2S
Thur
26q
26
Fri 1
270
27
Sat
271
2tj
s
272
2q
Mon
273
30
Tues
I a bii.i
'6.S-
Ills
II 59 54
II S9 35
II 5915
II 58 56
II 58 36
II 58 16
II 5756
II 5735
II 57 IS
II 5654
II 5634
II 56 13
II 55 52
II 55 31
11 55 10
II 54 49
II 54 24
II 54 6
II 53 45
II 53 24
II 53 3
II 5242
II 52 21
II 52 I
II 51 40
II 51 20
II 50 59
II 50 39
II 50 19
II 50 o
life insurance
Phenomena
for the most health-
ful portions of
THE United States,
THE Dominion of Canada
Great Britain and
Ireland,
france and belgium.
Calendar for
Boston, New England
N. Y. State, Michigan,
Wisconsin, Iowa,
and Oregon.
Calendar for
N. Y. Cn V, Philadelph.
Connecticut, new
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Calendar for
Washington,
Maryland, Vir-
ginia, Kentucky
Missouri and
California.
During- the montli
of September, "78.
the New- York Life
Insurance Compa-
ny paid 48 death-
claims on the lives
of 31 persons.
The w^hole amotmt
paid -wras $143,-
747. 06, an averag-e
of over $4800 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$44,968.23, an av-
eragre of a little
less than $1500
per family. The
gain to the fami-
lies of the deceased
■was, therefore,
$98,778.83, an
averag-e of over
$3000 each. For
each $100 paid to
the Company, they
received $819.66.
Moon's Phases.
Third Quarter,
D.
8
New Moon,
16
First Quarter,
22
Full Moon,
30
Boston.
H. M.
3 20 Evening.
1 13 Morning.
4 36 Evening.
4 33 Morning.
New-York.
H. M.
3 8 Evening.
I I Morning.
4 24 Evening.
4 21 Morning.
Washington.
H. M.
2 56 Evening,
o 49 Morning.
4 12 Evening.
4 9 Morning.
Charleston.
2 44 Evening,
o 37 Morning.
4 o Evening.
3 57 Morning.
V^
h. m.
2 14 Evening,
o 7 Morning.
3 30 Evening.
3 27 Morning. j|j
^t
-^1
{c ¥PE •:• ]\[EW-¥0^K •:• HI^M^N^IC.
21
^-f
YOUR secret, kept to yourself, is safely anchored
— t
-told, it is afloat on the illimitable ocean of
mutual confidences, and before you know where
you are the world is made free of that which in
most cases, perhaps, it is of vital importance to
you to keep hidden.
" TT is strange," said a young man, " that a
X poorly educated girl stands just as good a
chance of marrying well as a scholarly one."
"Not at all strange," replied a lady, "because
the fact is that the young men are not sufficiently
well educated to know the difference."
f^^
"^^^^
22
-3lc ¥PE :• NEW-yei^K •:• ^IiJiI^NHCJ}^
T ET it be admitted that the chances are in
JLi favor of a man's living; it is this very prob-
ability of life that life insurance converts into a
large sum of money in case of death. The
chances are that men will live to be old, but the
certaiftty is that some will die young. There is a
certain risk of death, as all men know, and what
man with the heart of a man is willing, upon
reflection, to permit his family to bear an unnec-
essary risk of poverty?
IT was very careless leaving the parrot in the
parlor on Sunday evening, but she never
thought anything about it until Monday morn-
ing, when he aroused the whole house by making
a smacking noise and crying, "Darling Susie;
darling Susie." He kept it up all day, too, and
the old folks are much interested in the case.
'n'DVERSiTY exasperates fools, dejects cowards,
j\ draws out the faculties of the wise, puts the
modest woman to the necessity of trying her
skill, awes the opulent, and makes the idle
industrious. Much may be said in favor of
adversity, but the worst of it is, it has no friends.
DOCTOR," said an old lady to her family
physician, "kin ye tell me how it is that
some folks is born dumb?" "Why, hem! cer-
tainly, madam," replied the doctor. " It is owing
to the fact that they come into the world without
the power of speech ! " " La me ! " remarked the
old lady, " now just see what it is to have a
physical eddication. I've axed my old man
more nor a hundred times that same thing, and
all that I could ever get out of him was just this,
' Kase they is." "
Scntl) iHontf).
-^ eC¥0BE^v)S79. -f
E!)irtg=aue JIDnijs.
AT WASHINGTON. 11
Moon's Apogee, s,A. 4h. mo. |
Moon's Perigee, i6d. oh. noon
Moon's Apogee, 3id. 3h. eve.
>•
d
at
ngfn
time.
b
b
c _j: c
0
0
^8|2
0
Q
0
§^e
H. M. S.
274
I
Wed
11 4940
275
2
Thur
II 49 21
27b
3
Fri
II 49 3
277
4
Sat
II 48 44
27«
S
ii
II 48 2b
27P
6
Mon
11 48 8
280
7
Tues
II 4751
281
8
Wed
II 47 34
282
9
Thur
II 47 18
28^
10
Fri
II 47 2
284
II
Sat
II 46 47
2«S
12
;*
II 4b 32
286
13
Mon
II 4b 17
287
14
Tues
II 46 4
288
IS
Wed
II 45 50
289
ifa
Thur
II 45 38
290
17
Fri
II 45 25
2qi
18
Sat
II 45 14
292
19
a
II 45 3
293
20
Mon
II 4452
294
21
lues
II 44 43
295
22
Wed
II 44 34
296
23
Thur
II 44 25
297
24
Fri
II 44 18
298
25
Sat
II 44 10
299
2b
.5s
II 44 4
300
27
Mon
II 43 58
101
2«
Tues
II 43 54
302
29
Wed
II 43 49
3°.3
30
Thur
II 43 46
304
31
Fri
II 43 43
Life insurance
Phenomena
for the most health-
ftjl portions of
the united states,
THE Dominion of Canada
Great Britain and
Ireland,
France and Belgium.
During- the first
9 months of 1878,
the New- York Life
Insurance Compa-
ny paid 395 death-
claims on the lives
of 324 persons.
The vrhole amount
paid -was $1,256,-
805.82, an average
of over $3800 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$457,350.54, an
averag-e of a little
more than $1400
per family. The
^ain to the fami-
lies of the deceased
■was, therefore,
$799,455.28, an
average of over
$2400 each. For
each $100 paid to
the Company, they
received $274.58.
Calendar for
1,1111 i^n..^ I- 1^ Calendar for
BOS-Iwi1?EVv'ENGLAND!i^V-'^'5jo^'.^^?,\';*°^^
Tvr V CT.-,'TT TV/fTf-ui^AM I Connecticut, new
N. Y. ST A I E, Michigan, l!jj,^j,gy^ Pennsylvania,
Ohio, Indiana and
Illinois.
Sun Sun Moon H. W,
Rises Sets. Rises N.Y.
H. M.
556
b 24
656
7 34
8 18
9 9
10 b
11 9
morn
0 14
1 22
2 31
3 43
4 57
sets
538
b 23
7 19
8 21
9 30
10 40
11 50
morn
o 56
2 o
3 3
4 4
5 5
rises
458
5 34
K.M.
84b
9 19
9 53
10 32
11 15
ev. I
050
1 45
2 45
346
4 43
538
b 32
725
8 lb
9 3
9 49
1043
II 39
morn
037
1 36
2 37
338
4 31
5 19
b b
651
7 34
8 16
854
Calendar for
Washington,
Maryland, Vir-
ginia, KENTUCKY
Missouri and
California.
Sun Sun Moon
Rises Sets Rises.
Moon's Phases.
Third Quarter,
New Moon,
First Quarter,
if Full Moon,
Boston.
H. M.
8 59 Morning.
10 25 Morning.
I 35 Morning.
9 25 Evening.
New-York.
H. M.
8 47 Morning.
10 13 Morning.
I 23 Morning.
9 13 Evening.
Washington.
H. M.
8 35 Morning.
10 I Morning.
I II Morning.
9 I Evening.
Charleston.
Chicago.
7 53 Morning.
9 19 Morning,
o 29 Morning.
8 19 Evening.
r^^
k
^^1
-s-s
^r^
¥PE •:• j\[EW-Y0^K •:• ^LJI^N^O.
23
IftMtta&yft^l^M^
E^
[LOQUENCE is the child of knowledge. When
a mind is full, like a wholesome river, it
is also clear. Confusion and obscurity are much
V oftener the results of ignorance than of inef-
^■j^'^i-: — ■
ficiency. Few arc the men who cannot express
their meaning if they have real knowledge of a
subject, and a fervent desire to make it known.
These, with skill, make the orator.
sf-<^J
^^^
24
-^{c JPPE •:• ]^EW-Y0^K •:• ^IiJI^jV^CJl^
TITHE true philosophy of life is so to live as to
A have nothing to regret as regards our own
actions— to be able to say at last, "Knowing
what I did, and believing as I did, I do not see
how I could have acted more wisely than I did."
A man may believe he will live to care for his
family, but, unless he is a fatalist, he believes just
as firmly that he runs a certain risk of dying
within a few years. Often thousand healthy men,
at any age, and in good health, quite a large num-
ber will die during the next ten years. It is better
that all insure than that those who die leave
families in distress. It is better for each to insure
than to run the risk of leaving his family to
suffer. The money a life policy would cost
will, in nine cases out of ten, be used for some-
thing which will be of infinitely less value, in
case of an early death.
6ARMENTS that have one rent in them are
subject to be torn on every nail, and glasses
that are once cracked are soon broken ; such is
man's good name once tainted with just reproach.
" "TkoCTOR, my daughter seems to be going
\J blind, and she's just getting ready for her
wedding, too ! Oh, dear, what is to be done ? "
" Let her go right on with the wedding, madam,
by all means. If anything can open her eyes,
marriage will."
" Tt was simply an informal affair," wrote the
X. editor, of a httle strawberry party at a
neighbor's house. " It was simply an infernal
affair," read the compositor, and that editor
will never get any more invitations from that
quarter.
lEIcftrntl) fHoiitl).
-}- P0VEfIBERv1S79. -I-
ffljivtg 33nus.
AT WASHINGTON.
Moon's Perigee, 13d. iih. eve,
Moon's Apogee, ajd. 3h. eve.
305
306
307
308
309
310
3"
312
313
314
315
316
317
318
319
320
321
322
323
324
32s
326
327
328
329
33°
331
332
333
334
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
«>
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
3 Sj.S
H. M. S.
II 43 42
II 43 41
II 4340
II 4341
II 4343
II 43 45
II 4348
II 43 52
II 43 57
II 44 3
II 44 9
II 44 17
II 44 25
II 44 35
II 44 45
II 44 55
II 45 7
II 45 20
II 45 33
II 45 47
II 46 2
II 46 18
II 46 34
II 46 52
II 47 10
II 47 29
II 4748
II 48 8
II 48 29
II 48 SI
Life Insurance
Phenomena
for the most health
ful portions of
the united states,
THE Dominion of Canada
Great Britain and
Ireland,
france and belgium.
During- the year
ending Jan. 1 , '78,
the New- York Life
Insurance Compa-
ny paid 569 death-
claims on the lives
of 456 persons.
The -whole amount
paid was $1,638,-
128, an averag-e
of over $3500 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$537,887, an av-
erag'e of a little
less than $1200
per family. The
^ain to the fami-
lies of the deceased
•was, therefore,
$1, 10 0,241, an
average of over
$2400 each. For
each $100 paid to
the Company, they
received $304.36.
Calendar for
Boston, New England
N.Y. State, Michigan,
Wisconsin, iowa,
AND Oregon.
Sun Sun^ Moon H. W.
Rises Sets. Rises Boston
H. M. H.M
6 34 4 54
6 35
6 36
6 37
6 39
6 40
6 41
6 43
6 44
6 45
6 46
6 48
6 50
6 51
6 53
6 54 4 37
6 55 4 37
6 56 4 35
6 57 4 34
6 58 4 34
7 1^ 4 33
4 52
4 51
4 50
4 49
4 48
4 46
4 45
4 44
4 43
4 42
4 41
4 40
4 39
4 38
4 32
4 32
4 31
4 30
4 30
4 30
4 29
9 4 29
7 10 4 zq
H. M.
6 10
657
7 47
853
9 56
II 2
mom
0 10
1 19
2 31
3 46
5 4
sets
4 55
556
7 4
8 19
9 33
1044
II 51
morn
o 56
158
3 o
4 I
5 3
6 4
rises
4 54
5 47iev.27
H. M.
044
1 24
2 7
2 52
338
4 28
5 21
6 17
7 16
8 12
9 10
10 9
11 9
morn
0 5
053
1 47
2 41
3 32
4 24
5 15
6 9
7 I
7 51
8 38
9 26
10 16
Calendar for
N. Y. Cn V, Philadelph
Connecticut, New
Jersey, Pennsylvania
Ohio, Indiana and
Illinois.
Sun Sun Moon H.W.
Rises Sets. Rises N. Y.
H. M
6 31
6 32 4 56
6 33
6 34
6 35
6 37
6 38
6 39
6 40
6 41
6 43
6 44
6 45
6 46
6 47
6 48
6 50
6 51
6 52
6 53 4 39
6 54
6 55
H.M
57
4 54
4 53
4 52
4 51
4 50
4 49
4 48
4 47
4 46
4 45
4 44
4 43
4 42
4 41
4 41
4 40
4 39
4
-- 4 37
6 56 4 37
6 58 j 4 36
6 59 j 4 36
4 35
4 35
4 34
4 34
4 34
H. M.
6 16
7 4
7 59
858
10 I
11 6
morn
0 12
1 20
2 31
3 44
5 I
sets
5 I
6 3
7 12
825
9 37
10 46
11 53
morn
0 56
1 57
2 58
3 59
4 59
5 59
rises
5 I
5 54
H.M.
930
10 10
1053
11 38
ev.24
1 14
2 7
3 4
4 2
458
556
655
7 55
851
9 39
10 33
11 27
morn
0 18
1 10
2 I
2 55
3 47
4 37
5 24
6 12
7 2
7 50
834
9 13
Calendar for
Washington,
Maryland, Vir-
ginia, Kentucky
Missouri and
California.
Sun Sun Moon
Rises Sets Rises.
H. M.
6 28
6 29
6 30
6 31
■6 32
|6 33
,6 34
16 35
,6 36
'6 37
16 39
|6 40
[6 41
|6 42
,6 43
644
6 45
16 47
6 48
6 49
6 so
651
6 52
6 53
6 54
6 55
6 56
6 57
6 58
6 59
H.M.
5 o
4 59
4 58
4 57
4 55
4 53
4 32
4 52
4 51
4 50
4 50
4 49
4 48
4 47
4 47
4 46-
4 45
4 44
4 44
4 43
4 43
4 42
4 41
4 41
4 4'
4 40
4 40
4 39
4 39
4 39
H. M.
6 22
7 II
8 6
9 4
10 6
11 10
mom
0 16
1 22
2 32
3 43
4 54
sets
5 8
6 10
7 19
831
9 41
10 50
11 55
mom
0 57
1 57
2 56
3 55
4 55
5 50
rises
5 8
6 I
Moon's Phases.
Third Quarter,
New Moon,
First Quarter,
jjk Full Moon,
#^^-
Boston.
H. M.
1 II Morning.
7 5S Evening.
2 5 Evening.
4 13 Evening.
New-York.
H. M.
0 59 Morning.
7 43 Evening.
1 53 Evening.
4 I Evening.
Washington.
H. M.
0 47 Morning.
7 31 Evening.
1 41 Evening.
3 49 Evening.
Charleston.
H. M.
0 35 Morning.
7 19 Evening.
1 29 Evening.
3 27 Evening.
H. M.
o 5 Morning.
6 49 Evening,
o 59 Evening.
2 27 Evening, j r
■ ^-=^'-^
t-
-^ ¥PE V :^EW-Y0^K •:• ^Lja^N^C. ^H-
25
!-««
i
BK thyself blameless of what thou rebukest.
He that cleanses a blot with blotted fingers
makes a greater blot. — Quarks.
BOOKS are but white paper, unless men spend
in action the wisdom they get from thought.
— Bulwer.
^^
f-^
26
^ ntpE :• NEW-Ye^K •:• ^IiM5?]^^CJK-
^-^S-fs
PLEASE look over the rate-tables, published on
another page, and see how much — or how
little rather — it would cost you every year to
carry an insurance policy of $i,ooo. Then look
at what the resources of your family would be in
case of your death, and consider whether or not
they would need something of the sort. Then
look over your expenditures and consider
whether paying for it would not be easier for
you than getting along without the proceeds of
it would be for them. Then look around on
your family and consider whether the conscious-
ness of having thus provided for them would not
sweeten every day's toil, and make your heart
lighter with every going down of the sun. Then
consider that you can obtain life insurance o/i/y
when health is good and an early death seems
unlikely. Having thus considered, act.
T ONG labor in the temperance reform has
IS. convinced me that the most effectual place
to promote it is at home. There is the spot where
the mischief too often is done. There is the spot
to enact a "prohibitory law." Let it be written
upon the walls of every house — Wherever there
is a hoy, there should never be a bottle. — Rev.
Theodore L. Cuylei:
TITEACHER, with reading class: Boy (reading) —
X. "And as she sailed down the river — "
Teacher — " Why are ships called she ? " Boy —
"Because they need men to manage them."
"T SAY, Jim," said one friend to another, on
JL meeting, " I hear our friend A has been in
speculation heavily. Has he made anything? "
" Yes," said Jim, " he has made an assignment."
JTtoflftf) iWontl).
-f DECEMBER v1S79. Ar
Ojirtssonc Saijs.
AT Washington.
Moon's Perigee, lad. iih. mo.
Moon's Apogee, 24d. loh. eve.
M
6
>•
S
II.
b
0
0
Q
^^s
I
336
2
337
3
33»
4
339
5
340
b
341
7
342
8
343
9
344
10
34.';
II
34O
12
347
13
34«
14
349
15
350
10
351
17
352
18
353
19
354
20
3SS
21
356
22
357
23
35«
24
359
2S
,60
lb
,6.
27
362
28
363
29
3b4
30
365
31
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
a
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
rt g c ♦-
= §!«
H. M. S.
49 13
49 36
49 59
50 2^
5048
51 13
5^ 39
52 6
52 32
53 o
5327
53 56
54 24
54 S3
55 22
55 51
56 21
5650
5720
57 50
58 20
5850
5920
59 50
0 20 j
049 1
1 19 ;
1 48 j
2 18 I
2 47
315!
Life Insurance
Phenomena
for the most health-
ful portions of
THE United States,
THE Dominion of Canada
Great Britain and
Ireland,
France and Belgium.
The Insurance
Probabilities are,
at the time this
pag-e g-oes to press,
that during the
thirty-four years
ending- with Dec,
'78, the New- York
Liife Insurance Co.
will have issued
One Hundred and
Thirty- Four Thou-
sand Policies; that
it will have receiv-
ed Seventy-Eig-ht
Million Dollars in
Premiums, return-
ed to policy-hold-
ers and their fami-
lies Forty Five Mil-
lions, and w^ill then
hold in trust for
them Thirty - Six
MilUons. The In-
surance Barometer
will be rising-, the
sky clear, the wind
fresh, andtheNe-w
York Life the fa-
vorite Company.
Calendar for
Bosto';j';n''e";e5gCand'!N-^Y-C^;v,^Phj^lad^^^^^^
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Calendar for
N. Y. State, Michigan,
Wisconsin, Iowa,
AND Oregon.
M. H.M.
10 4 29
11 4 28
1214 2r
I3j4
14 4
15 4
4
4
4
4
7 20
7 20
7 21
7 22
7 23
7 24
7 24
7 25
7 25
Moon H. W.
Rises Boston
H. M.
646
7 49
853
9 59
" 5
mom
0 14
1 24
2 38
3 55
5 14
sets
4 39
5 53
7 9
8 24
9 36
1043
7 26 '4 30
7 26 4 30
7 27 4 31
H.M.
I 5
1 46
2 29
3 II
3 56
4 43
5 37
637
738
8 42
948
1055
II 54
morn
° 43
1 31
2 19
3 4
348
4 33
5 21
I 53 6 14
mom
o 51
7 27
7 28
7 28
7 29
7 29
7 29
7 29
7 3° 4 36
7 30 '4 37
2 55
3 56
4 56
5 53
rises
4 39
7 7
8 o
852
9 46
10 3S
11 17
5 4iiev. 9
6 46 I o 46
7 51! I 23
Sun
Sun
Moon
Rises
Sets.
Rises
H. M.
H.M.
H. M.
7 5
4 33
652
7 f
4 33
7 54
7 7
4 33
857
7 8
4 33
10 2
7 9
4 33
II 7
7 10
4 33
morn
7 II
4 33
014
7 12
4 33
I 23
7 13
4 33
2 36
7 14
4 33
3 51
7 14
4 33
5 9
7 15
4 33
sets
7 10
4 33
4 45
7 17
4 33
558
7 17
4 34
714
7 18
4 34
828
7 19
4 34
938
7 19
4 35
1044
7 20
4 35
II 47
7 20
4 35
morn
7 21
4 3b
049
7 21
4 30
I 50
7 22
4 37
2 51
7 22
4 38
3 51
7 23
4 38
4 51
7 23
4 39
5 47
7 23
4 39
rises
7 24
4 40
4 45
7 24
4 41
5 46
7 24
4 42
650
7 24
4 i.^
7 55
H.M.
951
10 32
11 15
II 57
ev.42
1 29
2 23
3 23
4 24
528
634
741
8 40
929
10 17
5
11 50
morn
0 34
1 19
z 7
3 o
3 53
4 46
538
6 32
7 24
813
855
9 32
10 9
Calendar for
v/ashington,
MARYLAND, Vir-
ginia, Kentucky
Missouri and
California.
Sun
Sun Moon
Sets Rises.
38
4 38
4 38
4 38
4 38
4 39
4 39
4 40
4 40
4 40
4 41
4 41
4 42
4 42
4 43
4 44
4 44
4 45
4 46
4 46
4 47
II. M
6 59
7 59
9 I
10 5
11 9
mom
0 14
1 22
2 33
348
5 4
sets
4 53
6 5
7 20
8 32
9 41
1045
II 48
mom
048
1 47
2 48
3 47
4 45
5 41
rises
4 51
5 52
6 54
758
Moon's phases.
Third Quarter,
New Moon,
First Quarter,
^ Full Moun,
^c^^~
2 59 Evening.
6 20 Morning.
6 31 Morning.
II 31 Morning.
New- York.
2 47 Evening.
6 8 Morning.
6 19 Morning.
II 19 Morning.
Washington.
2 35 Evening.
5 56 Morning.
6 7 Morning.
II 7 Morning.
Charleston.
2 23 Evening.
5 45 Morning.
5 55 Morning.
10 55 Morning.
W
I 53 Evening.
5 15 Morning.
5 25 Morning.
ID 25 Morning, j'
— S-*3
^.
-Mc ¥PE •:• NEW-Y0^K •:• ^Iija^N^C. *^
CHEMISTS tell US that a single grain of the sub-
stance called iodine will impart color to seven
thousand times its weight of water. It is so in
higher things — one companion, one book, one
habit, may affect the whole of life and character.
WRITERS on to.xicology state that one ounce
of the kernels of peach pits contains about
one grain of pure prussic acid, and this quantity,
it is well known, is sufficient to kill any adult per-
son. Of course, less would kill a child.
SS«-'
"^
*
28
-* JFJIE •:• ]\[EW- YGl^K •:• ^Iija^N^C.*-
^^r^
lllustratioijs for tlje Year.
[Through the courtesy of Messrs. D. Appleton & Co., of this city, we are enabled to present readers of the
Almanac for 1879 illustrations of a very superior character. They will not follow the beaten track of calendar pict-
ures, in which December must be frigid and June must be gay, but they will be all the fresher for that, and will, we
trust, awaken an interest, not only in the localities they represent, but also in that department of art in which they
stand so deservedly high.]
Tl^e ''Abbott House/' Providence.
[Page S-]
THE people of Providence take a deep
interest in everything connected with
the hfe of Roger WilHams, and as he is said
to have held his prayer-meetings in the
"Abbott House," that structure is
well known to the residents, and is an
object of interest to the visitor. The
house is of wood, is over two hundred
years old, and is the only structure imme-
diately connected with the memory of
WiUiams. The society of the First
Baptist Church was formed by him, but
the present church edifice was not built
until i774-'75. The bell which originally
hung in its tower bore an inscription
which sets forth the spirit in which
Williams made and conducted his settle-
ment at Providence.
" For freedom of conscience the town was first planted ;
Persuasion not force was used by the people.
This church is the eldest and has not recanted,
Enjoying and granting bell, temple and steeple."
Williams was banished from Massachu-
setts late in 1635, and after passing the
winter with the Indians, formed a settle-
ment and called it "Providence" in
remembrance of the protection he had
enjoyed and as a token of the faith in
which he labored.
"The Dowlas/' and "The Saijd-Drift."
[Page 7.]
DOWNS are primarily banks of sand, the
word corresponding in derivation to
the word du/i£, which is still used of sand-
hills made by the wind or sea. The dis-
tinction generally made, seems to be that
downs are sand-hills and plains which
have become more or less covered with
verdure. Long Island, from the eastern
extremity of which these sketches were
taken, is little more than an immense
sand-bank, with more or less ' ' drift " lod ged
]<^..
i
upon it. In some places, as the "sand-
drift " shows, the sand is enlarging its area,
while in others the waves are slowly
undermining and wearing away its shores.
The fine white sand, such as is here repre-
sented, is a formidable thing to face on a
windy day, for it drifts almost as freely as
snow, and cuts like hail. The downs as
here pictured form the extremity of the
south fork of the island, upon the point of
which is situated Montauk Light-house.
They are held by an association of indi-
viduals in common, who use them for
pasturage.
Clear Creek Ca^on, Colorado.
[Page 9.]
THE Pacific Railways have made easily
accessible some of the wildest, most
fantastic, and most sublime scenery in the
world. The various branches of these
roads in Colorado bring the tourist within
easy distance of the highest peaks (Long's,
Gray's and Pike's) of the Rocky Mount-
ains, and carry him through some of its
most picturesque canons. Clear Creek
Caiion, of which we give an illustration,
is of the class called "box" canon, — a
closely imprisoned ravine, with sheer or
overarching cliffs which sometimes quite
shut out the sun. The railroad passes
through it between Denver and Idaho
Springs. One branch of Clear Creek runs
through Idaho Springsandanother through
Georgetown, the latter, a town of 3,500
inhabitants, and the highest in the world,
having an altitude of 8,412 feet above the
sea. These two towns are equidistant
from the Chicago Lakes, in the neighbor-
hood of wliich Bierstadt found the inspi-
ration for his famous picture, " Storm in
the Rocky Mountains." Small lakes
are found here at an elevation of ten or
twelve thousand feet, fed by melting
snows from the mountains, upon which
NJ*
^^1
-Nc ¥PE V ]VEW-¥0I^K •:• ^liJisI^J^I^C. ^N-
29
i^^
a thin ice forms at night, yet along the
margin of which dehcate flowers spring.
A general absence of fresh verdure, and
the parched and thirsty aspect of the
valleys is, however, the chief complaint of
the tourist.
\ Crevasse oij the ]^ississi])])i.
[Page 11.]
THE contrast between the scenery of the
Rocky Mountains and that of the Lower
Mississippi is about as violent as can be
imagined, but the waters that flow through
Clear Creek Canon have a share in
causing the crevasse thousands of miles
away. The Arkansas River and the South
Fork of the Platte drain the eastern slope
of the Rocky Mountains in Colorado, and
the snows of Pike's and Long's and Gray's
Peaks find their way to the sea through
the great river that drains the center of
the continent. Much of lower Louisiana
has been formed by the silt of the river
which, left to itself, would overflow vast areas
of cultivated land. To prevent this, exten-
sive levees have been built, but the river
bed keeps slowly filling up with mud,
which raises the level of the water until it
is often several feet above that of the
surrounding country. Then if the levee
gives way, as it often does, large tracts of
country are flooded. Many precautions
are taken to guard against such disasters,
and to check them when they become
imminent, — bells are rung, the news is
carried inland by fleet horsemen, piles are
driven, boats sunk in the channel, — but
the waters are -nevertheless often irresist-
ible. One compensation for these over-
flows is the silt deposited, which, like the
annual overflowings of the Nile, enriches
the land. Where the banks are naturally
high the land continually washes away
at the bends, while the points opposite
increase by the deposit of alluvium.
Thus both the channel and the banks are
constantly changing.
View fronj Neversiijk Higljlands.
[Page 13.]
THESE hills, which Nature has made
" beautiful for situation" and Art has
adorned without destroying their pictur-
esqueness, form the northern boundary of
the Shrewsbury River which flows into the
lower bay of New-York harbor at Sandy
Hook. The river is separated from the
ocean for a considerable distance from its
mouth only by a narrow strip of sandy
beach which terminates in the Hook, and
which is not of sufficient elevation to
prevent an unbroken view of the Atlantic
from the Highlands. Upon this tongue
of sand the Southern Railroad of New
Jersey is built from Sandy Hook. The
Shrewsbury River finally widens and sep-
arates into the South and West branches,
the latter of which is called the Neversink.
Passengers from Sandy Hook westward
eitjjer by rail or by boat, have a contin-
uous view of the Highlands for miles, and
their leafy heights crowned with light-
house, church and villa, are the last objects
to fade from the sight of the traveler
when he puts to sea and the first to greet
his eager eyes upon his homeward voyage.
Shrewsbury River is famous for its oyster-
beds, and many of the scenes of Cooper's
"Water Witch" are laid among the
Neversink hills and the adjacent waters.
The Hay^Field.
[Page IS.]
ONE can no more resist the genial influ-
ence of such a scene as this than he
can resist sunshine. The joyous abandon
of the young maidens for whom as yet
life has no carking cares, the father in
the distance tossing the youngster who
can just toddle to the field, and the bright
sunshine falling over all like a benediction
— what could be more beautiful? Mr.
Foster is peculiarly happy in depicting
rural scenes and scenery, and if he does
not love children he certainly loves to
draw them, for they figure conspicuously
in many of his finest works. His pictures
seem to be painted for the landscapes
which he has a happy faculty of choosing,
and then he puts so much of life and
joyousness in the human figures that the
result is a perfect jewel in a perfect setting.
View fronj Fort Adanjs^ Newport.
[Page 17.]
F^ORT Adams, the principal defense of
Newport harbor, is second in size
among our coast defenses only to Fortress
Monroe. It commands a fine view of the
harbor and adjacent city, and is a favorite
place of resort for the multitudes who seek
rest and recreation at this most famous of
.^J
30
-Mc THE :• NEW-Y©]^K •:• ^IiM^JV^CjIe^
American watering-places. Its parade-
ground contains eleven acres, and a broad
drive-way surrounds the whole work.
Newport harbor is one of the finest in
the world, and before the Revolution it
was second in importance, as a port of
entry for foreign commerce, to but one
on the continent. It was held by the
British during most of that long struggle
and its commerce never recovered from
the blow. It still retains relics of the
colonial days in the old residences of its
former merchant princes, the Jewish Syna-
gogue built in 1762, Trinity Church, fifty
years older, with its organ presented by
Bishop Berkeley, and the Old Mill, built
nobody knows when.
u
Views oij Lake Chanjplain,
[Page 19.]
AKE Champlain is the largest of the
numerous lakes with which northern
and central New-York abounds. It is of
interest to note the peculiar shape of
many of them, not less than a dozen
being very long in proportion to their
width, and all of them having a north
and south direction, the outlets being at
the northern ends. Lake Champlain is
one hundred and twenty-six miles long
and only thirteen wide at the widest point.
Our first illustration is taken near White-
hall where the shores are low and swampy.
In most places elevated table-lands stretch
away, to the Green Mountains in Vermont
and to the Adirondacks in New-York.
Only once do the shores rise abruptly in
cliffs, — and that just north of Burlington
where the lake is wider than usual. The
lake was named by Samuel Champlain,
the French commander at Quebec, who
discovered it in 1609. Lying between
Canada and the settlements on the
Atlantic coast its waters soon became a
highway, and its shores the scene of
sanguinary conflicts. Fort Ticonderoga
was built by the French in 1755; four
years after it was captured by the English.
It was then enlarged. Crown Point was
built, and the two were maintained at
great expense until the French power in
Canada was finally broken. At the out-
break of the Revolution they were still
garrisoned, and their capture by the
Americans made Ethan Allen famous
and gave Washington valuable military
"t supplies. Several battles were afterward
#^^
fought for their possession, but after
Burgoyne's surrender they fell into decay.
In August, 1776, an American fleet under
Arnold was completely destroyed on the
lake. In September, 18 13, the tables
were turned, this time a British fleet being
destroyed by the Americans under Mac-
donough. On the same day the British
army was defeated near Plattsburg.
Since that time the waters of the lake
have witnessed carnivals of pleasure but
none of blood, and no armies have com-
passed the cities upon its shores, save
those who have been attracted thither by
the beauties which have made Champlain
and George the pearls among American
lakes.
JJooijlight on tlje Juijiata.
[Page 21.]
OF that backbone of the Atlantic States
which extends from the Arcadian
Mountains to the sources of the Alabama
River, Pennsylvania gets a large and a rich
portion. Here the m.ountains are divided
into two parallel ridges, and in the valley
between these, itself much broken by
spurs and lesser chains, flows the "blue
Juniata." Its sources are at various and
widely separated points in the western
chain, and its general course, after uniting
its tributaries near Huntington, is, with
many windings, a little south of eastward,
until it flows into the Susquehanna at
Duncannon. Between these two points
it is followed by the Pennsylvania Rail-
road and by a canal, the latter following
the southern branch from Huntington,
and the former the northern nearly to
Altoona. The scenery is mountainous
for almost the entire length of the river,
occasionally broken by stretches of graceful
upland. Above Perryville, near which our
sketch is taken, the river makes a zigzag
course, so regular as to resemble a rail
fence, and the course so frequently
broken that eight bends are visible from a
single point. Not far away its banks are
precipitous mountain walls, unbroken save
by occasional ravines on one side ; while
still farther up, at the " narrows," the
river is compressed between overhanging
crags which for miles shut out the sun.
Below Perryville, the river is dotted with
islands which are covered to the water's
edge with trees and vines and flowers.
The clearness of its waters except in
^^1
¥PE •:• J5EW-Y01^K •:• ^Iija^N^C. *-
31
spring-time has caused poets to sing' of
it as the "blue Juniata," and its waters
can be traced for some distance after
entering the Susquehanna.
IJarper's Ferry fronj Jeffersoij Rock,
[Page 23.]
HARPER'S Ferry is well worthy of a visit
as well for the rugged beauty of its
natural scenery as for its historical asso-
ciations. Here the Potomac, coming
from the north-west, and the Shenandoah,
coming from the south-west, unite in the
deep gorge formed by the overhanging
rocks of Maryland Heights and the less pre-
cipitous, but nearly as lofty, summits of
Loudon. Bolivar Heights, about the base
and sides of which the town was built,
occupy the tongue of land that thrusts itself
between the rivers, as if to forbid the bans
as long as possible. It is from these that
our view is taken. The Potomac lies before
us, Maryland Heights being on the left, and
Loudon on the right. The Potomac
really flows into the Shenandoah, if we
consider direction merely, as the waters
of the two unite just below the bridge of
the Baltimore and Ohio Railroad, a single
section of which is here in view. We
have spoken of the town in the past tense,
for, like Ilium of old. Harper's Ferry
was, but is no more, a place of commer-
cial or industrial importance. John
Brown's raid was the beginning of its
sorrows, and war filled up the bitter cup.
Jefferson, whom tradition has associated
with the rock in our illustration, greatly
admired the scenery of the place and
wrote an enthusiastic description of it.
While few of us perhaps would agree with
him that to view it is "worth a voyage
across the Atlantic," yet whoever wanders
about the summit of Maryland Heights in
search of soul-stirring views will not be
disappointed.
Distai^t View of Delaware Water-Gap.
[Page 23-]
I IKE the chasm through which the
^ Potomac flows at Harper's Ferry, the
still deeper gorge of the Delaware Water-
Gap offers abundant opportunity for spec-
ulation as to how a water-way was hewn
through such miglity barriers. Here the
mountains rise on cither side of the river
to a height of about seventeen hundred
feet. The sides are rocky and precip-
itous, presenting many obstacles to the
climber, but offering great advantages to
the geological student. The railroad
skirts the river at the foot of Mount Minsi,
on the western bank, while two hundred
feet above, facing the frowning masses of
Tammany's rocky sides, stands a hotel.
The vicinity abounds in delightful scenery,
silvery cascades, secluded ravines, and,
upon the very summit of Tammany, alovely
lake. All the surrounding region was once
a favorite haunt of the Indians. Some of
their burial-places are still shown, and
rude weapons, trinkets, and vessels of clay
are frequently found. Mount Minsi is
named from the Indians who called the
country north of the Gap, Minisink, and
Mount Tammany commemorates the chief
of chiefs who made the covenant with
William Penn at Shackamaxon. They
lived on friendly terms with the whites
until 1737, when the latter overreached
them in the purchase of land, and so
incurred their lasting enmity.
A Relic of tlje Revolution.
[Page 27.]
THE Middle States are rich in patriotic
associations, and the Delaware and the
Brandywine are highly favored among
rivers. The former will always be asso-
ciated with the victory at Trenton, while
the latter has given its name to the first
engagement participated in by the young,
the gifted, and the chivalrous Lafayette.
It is upon the banks of this stream, just
above Wilmington that the ruined walls,
delineated in our illustration, stand. Tra-
dition declares, not only that the mill was
in operation during the Revolutionary
war, but that it ground corn for the heroes
who suffered at Valley Forge. Farther
up the river are numerous cotton mills
and powder factories, while the scenery
along its banks is of that quiet, romantic
sort which gives rest to the weary and
peace to the troubled. One of the rural
industries of the region is the cultivation,
gathering and peeling of willow-branches,
which are used in the manufacture of
gunpowder, willow charcoal being of a
superior cpiality. The branches are worth
five or six dollars per cord green, and two
more if peeled, and the cultivators have
their "bees" for peeling, as farmers once
did for husking corn.
^■^
t
32
^Ic JFKE •:• j^EW-Y@^K •:• ^Lja^j^HC.*^-
Postal lijfornjation.
Donjestic Postage.
To ANY point within the United States,
or the Dominion of Canada:
Letters, or any matter so inclosed that
it cannot be examined without injury to
the wrapper, three cents for each half
ounce or fraction thereof. Drop-letters,
at offices having carriers, two cents per
half ounce or fraction thereof; at offices
without carriers, one cent. All packages
containing written information are rated
at letter postage. A letter packet must
not weigh over four pounds. At least
three cents must be paid on a letter packet
(if to Canada it must be fully prepaid) ;
if more is due and not paid it will be col-
lected on delivery. A letter will be re-
turned to the writer free if a request to do
so is placed on the outside of the envelope.
Letters sent to the wrong place will be
forwarded free at the request of the person
to whom they are addressed. To register
a packet, whether letter or otherwise,
prepay it fully and add ten cents in stamps
and your name and address ; this will
secure the return of a receipt for it. Man-
uscripts, except for books, are charged
letter rates.
All letters remaining uncalled for thirty
days in a post-office, after being advertised,
are sent to the Dead-Letter Office, with the
following exceptions: i. Letters bearing a
request to return to the writer if not called
for within a specified time, and letters
bearing the name and address on the out-
side. Such letters are not advertised,
and are not sent to the Dead-Letter Office,
but are returned direct to the writers.
The use of " request" envelopes is recom-
mended by the post-office authorities.
2. Mail matter addressed to initials will
be sent to the Dead-Letter Office, unless
a street address or box number is given.
Postal-Cards. — There must be nothing
whatever attached to a postal-card, except
that the address may be pasted on, nor
anything written or printed on the face
except the address. Anything the sender
desires may be written or printed on the
back, provided it is not scurrilous or inde-
cent. Postal-cards are not returned to
the senders, nor advertised, nor sent to the
Dead-Letter Office. If not called for in
sixty days they are burned. Any ordinary
printed business card may be sent through
the mails, if a one-cent stamp is attached,
provided it contains no written matter
except the address, which, with the stamp,
should occupy one side. If a one-cent
postage stamp is added, postal-cards will
be sent to Newfoundland, any European
country and Egypt; via ''direct mail,"
to Bermuda, Cuba, Jamaica and Porto
Rico; "direct mail via San Francisco,"
to Japan; " w « British mail," to Brit-
ish possessions on the West coast of
Africa.
Circulars, unsealed, one cent each.
Printed matter, one cent for each two
oiifices. — Almanacs, printed books, cal-
endars, catalogues, hand-bills, magazines
(when not sent to regular subscribers),
maps, printed music, newspapers (when
not sent to regular subscribers), occasional
publications, pamphlets, posters, proof-
sheets (corrected or uncorrected), pros-
pectuses, regular publications designed
primarily for advertising purposes, or for
free circulation, or for circulation at
nominal rates.
Merchandise, one cent per ounce. —
Blank books, blank cards, book manu-
script passing between authors and pub-
lishers, card boards and other flexible
material, chromo-lithographs, circulars
in bulk, engravings, envelopes, flexible
patterns, heliotypes, letter envelopes, letter
paper, lithographs, merchandise, models,
ornamented paper, postal-cards in bulk
and not addressed, photographic views on
paper, printed blanks, printed cards,
sample cards, samples (of ores, metals,
mineralsandmerchandise), seeds, cuttings,
bulbs, roots, scions, stereoscopic views.
Price lists must not accompany samples
except at letter rates. Samples to Canada,
New Brunswick and Nova Scotia, ten
cents for eight ounces, which is the limit of
weight. No other merchandise carried.
No postal packet may exceed four
pounds in weight, except books, documents
printed by order of Congress and docu-
ments from the Executive Departments of ''t
.m
'<&-!
«^
^* THE :• NEW-¥0^K •:• ^liP^N^CJle^-
33
©!:•
the government. All printed matter and
merchandise must be fully prepaid. All
except letter packets must be so wrapped
that their contents can be thoroitghly ex-
amined without cutting or injuring the
wrapper or cord (a sealed envelope with
notched corners is not considered a proper
wrapper), and no signs or marks of any
kind may be made on the wrapper or its
contents except the address and the fol-
lowing: Business cards may be printed
or pasted (if printed) on wrappers. Sam-
ples may be numbered to correspond with
similar marks in catalogues, invoices
or letters. Typographical errors in circu-
lars, etc., may be corrected in writing, and
an author may add to a proof-sheet
matter, if for the purpose of complet-
ing the article. A circular may contain
a written address inside, but nothing else.
A simple mark may be made to call
attention to an article in printed matter.
Any packet may contain the name and
address of the sender, with the word
" From " prefixed, and the number and
names of the articles inclosed may be
written on the outside.
Liquids, poisons, explosives, etc., — any-
thing liable to injure the mail-bags, their
contents, or employes of the department,
— if discovered, will be thrown away.
Stamps cut from stamped envelopes or
newspaper wrappers are not good, but if
the whole envelope is presented, and the
postmaster satisfied that it has not been
used it will be redeemed in stamps.
Printed matter, merchandise and other
third-class matter will not be forwarded
from the office where it is addressed, unless
the postage is paid anew ; and a request
to return such packages written thereon
subjects the matter to letter postage.
To inclose any written matter in printed
matter subjects the person mailing the
same to a fine of five dollars unless the
person receiving the package pays double
letter postage on the same. If articles
upon which different rates of postage are
charged are inclosed in the same package,
postage must be paid at the highest rate.
Post- Office Money-Order fees, on any
other post-office in the United States, are
as follows : For orders not exceeding fifteen
dollars, ten cents; from fifteen to thirty
dollars, fifteen cents ; from thirty to forty,
twenty cents ; from forty to fifty, twenty-
five cents. On post-offices in Canada and
Newfoundland, the fees arc : For ten dol-
lars or less, twenty cents ; from ten to
twenty dollars, forty cents; from twenty
to thirty, sixty cents ; from thirty to forty,
eighty cents ; from forty to fifty, one
dollar. Money-orders are considered per-
fectly safe, and are sometimes more con-
venient than bank drafts, as the holder
is not usually required to be identified.
He must be able to say from whom and
from where the order comes. The payee
of an order may request payment to be
made to another person, but only one
such indorsment is allowed. If a money-
order is lost, a certificate must be obtained
from both the issuing and paying post-
master that it has not been and will not
be paid, when the Department at Wash-
ington will issue another on application.
Money sent through the mail, even though
the letter be registered, is at the risk of
the sender, except where there is a special
agreement to the contrary with the person
to whom it is sent.
The mailing of any letter or circular
concerning lotteries, gift concerts, or simi-
lar enterprises offering prizes; and the
mailing, or receiving through the mail, of
any indecent publication, or any article
designed for any immoral use, or any
notice giving information as to the pro-
curing of such articles, — are punishable
by either fine or imprisonment, or by
both.
Foreign Postage,
To MEXICO, direct by sea, letters ten
cents, papers one cent for each two
ounces or fraction, and one cent additional
for each paper; land route, letters three
cents, papers one cent each, general third-
class matter via St. Thomas, three cents
for every two ounces or fraction thereof.
To Brazil, letters ten cents, papers four
cents; third-class matter, four cents for
two ounces. Argentine Confederation,
British mail, letters fifteen cents, papers
four cents ; third-class matter, four cents
for two ounces. Bolivia, British mail via
Colon, letters seventeen cents, papers four
cents; third-class matter, ten cents for
four ounces. Nicaragua (eastern ports of),
letters thirteen cents, papers four cents.
Panama, via St. Thomas, letters thirteen
cents, papers four cents ; third-class mat-
ter, six cents for four ounces. Peru, let-
ters seventeen cents, papers four cents ;
third-class matter, ten cents for four
*i
-^-^f^
3FPE •:• ]^EW- Y@^K •:• ^Lj^^N^C. t^
f
ounces. Salvador, ?//« St. Thomas, letters
thirteen cents, papers six cents; third-class
matter, three cents for two ounces. Trini-
dad, letters ten cents, papers, four cents ;
third-class matter, four cents for two
ounces. Venezuela, 7//a St. Thomas, let-
ters thirteen cents, papers six cents ; third-
class matter, three cents for two ounces.
To all European countries, Algeria, the
Azores, Balearic Islands, Bermuda, Canary
Islands, Aspinwall (direct mail). Bay
Islands (Honduras, direct mail from New
Orleans), Bermuda (direct mail). United
States of Colombia (direct mail), Costa
Rica (western ports, direct mail), Cuba,
Danish Colonies in West Indies (direct
mail 7na St. Thomas), Egypt, Fiji Islands
(via San Francisco, and Sidney, New
South Wales), Hayti (direct mail), Jamaica
(direct mail), Japan (direct mail via San
Francisco), Navassa (direct mail), New-
foundland, Nicaragua (western ports, Brit-
ish mail vm Colon), Panama (direct mail),
Persia (German mail, by other routes than
Persian Gulf, in which case it is double),
Porto Rico (direct mail), Shanghai (direct
via San Francisco), Tripolis and Tunis
(Italian mail), and West Indies, letters
five cents, papers two cents ; other printed
matter and samples of merchandise, two
cents for each two ounces or fraction
thereof, except to the following places:
United States of Colombia (six cents for
four ounces via St. Thomas), Bay
Islands (tna St. Thomas to British ports
of Honduras, six cents for four ounces,
others three cents for two ounces), Fiji
Islands, Hayti (via St. Thomas, three
cents for two ounces), Nassau, Nicaragua
(via St. Thomas, three cents for two
ounces).
To Australia via San Francisco, letters
five cents, papers two cents (except Vic-
toria, New South Wales, and Queensland,
to which by same mail the rates are, let-
ters twelve cents, papers two cents) ; third-
class matter, British mail via Southamp-
ton, five (via Brindisi, eight) cents for two
ounces. Hong-Kong and Chinese ports
of Canton, Swatow, Amoy, Foochow,
Kiung-Chow, Ningpo and Hankow, let-
ters ten cents, papers four cents; third-
class matter, four cents for two ounces.
Pekin, Tien-Tsin, Kalgan and Ourga, via
German and Russian mails, same rates as
to Russia; to other parts of China, includ-
ing Formosa, via Hong-Kong, same as to
T Hong-Kong; British India (Italian mail),
letters ten cents, papers four cents ; third-
class matter, four cents for two ounces.
Siam (via San Francisco), same for letters
and single papers; third-class matter,
eight cents for four ounces. Hawaiian
Kingdom, letters six cents, papers one
cent, other printed matter four cents for
four ounces.
These are the rates for letter packets
not exceeding one-half ounce, and in most
cases for each newspaper not weighing
over four ounces ; the same rate being
added for each additional four ounces
where the weight is more, and for each
paper where it is less. The nv/ie paid for
should be placed in the left hand upper
corner of the packet.
The maximum weight of a foreign postal
packet is, for patterns of merchandise,
eight and three-fourths ounces; for other
articles, except letters, two pounds and
three ounces. Foreign postal packets
must contain no article subject to customs
duties (except books, upon which the duty
must be paid), and no gold or silver coin.
Prepay a// postage, not only because in
some cases the package will not be for-
warded unless prepaid, but because it is
a shabby thing to require a correspondent
to pay your postage. Write the address
very plainly 2ind./iilly. Be sure you give
the name of the post-office, and unless the
place is a large city give the county. In
writing a letter always begin as you wish
the answer directed, and sign your full
name. If people only knew how much
trouble and loss would be saved by follow-
ing these directions, they would do it, we
feel sure. Remember there are many
post-offices of the same name, therefore
always give the State. Put the stamp on
the right-hand upper corner, and be sure
that it adheres firmly.
The fees for money-orders on Great
Britain and Ireland, Italy, and Switzerland
are as follows : not over ten dollars, twenty-
five cents ; from ten to twenty dollars, fifty
cents; from twenty to thirty dollars, sev-
enty-five cents ; from thirty to forty dollars,
one dollar ; from forty to fifty dollars, one
dollar and twenty-five cents. On Germany,
not over five dollars, fifteen cents ; all
others as above. Orders can be obtained
on various other European countries via
Switzerland, subject to the rates of the
Swiss Post-Office Department.
We do not grive the rates for publishers,
ally with the Post-Office authorities.
fS^^
IS they deal person- X
T
¥PE •:• NEW-¥©^K •:• ^IiJil^NHO.
35
ing Laws.
(a;^
WE have undertaken to give a summary of those
laws only which are general in their nature,
omitting most of the local laws. We have
abridged the language of the statute, and it
should be remembered that having game in
possession, during the prohibited season,
except where otherwise indicated, is the same in
the eye of the law as killing ; that being in the
open air with the implements of hunting is
equivalent to hunting; and, generally, that one
must avoid the appearance of evil if he would
be held guiltless. The various penalties are not
mentioned, as law-abiding citizens will only wish
to know the law to obey it ; to others let the
unknown stand for something terrible.
YermOt^t,— It is forbidden —
To catch or kill woodcock between March ist
and August ist, rxiffed grouse (partridge) be-
tween March ist and September ist, wild goose
or duck between May ist and September ist ;
to catch or kill any of the birds above named by
snare or trap, or destroy their eggs at any time
except on one's own premises during the season
as above ; to hunt or shoot on Sunday ; to kill
elk between January ist and September ist ; to
catch or kill mink, beaver, fisher, or otter
betv/een April ist and November ist ; to kill
wild deer before September i, 1880 ; to catch
or kill upon the premises of another, at any
time, any insectivorous or song bird, or to
disturb the nest or eggs of the same ; to hunt or
fish upon the grounds of another where the
same is forbidden by the owner or occupant, or
to disturb notice forbidding the same. Dogs
pursuing deer before September i, 1880, may be
shot in the act.
Ohio It is forbidden —
To catch, kill, pursue or poison, or to enter
another's premises for that purpose, or to dis-
turb houses of, musk-rat, mink or otter, between
April 15th and February 15th following ; to catch
or kill or disturb the nest or eggs of any insect-
ivorous or song bird ; to catch or kill quail or
prairie-chicken between January ist and Novem-
ber 1st, or wild turkey between January 15th and
November ist, or ruffed grouse or pheasant, or
blue-winged teal between January ist and Sep-
tember 1st, or any wild duck between April ist
and September ist, or woodcock between January
1st and July 4th ; to catch quail or Virginia par-
tridge by snare or trap, or to shoot game-birds
with other than shoulder-gun ; to discharge fire-
arms upon lawn, orchard, etc., of another, within
gun-shot of dwelling-house ; to kill wild deer
except between September 20th and November
1st following ; to disturb wild pigeon on its
nesting-grounds or discharge fire-arms within a
half mile of same ; to hunt upon inclosed land
of another, the same being forbidden, or to
injure notice forbidding same ; to pursue rabbits
upon another's premises with ferrets. It is for-
bidden to kill upon the days mentioned, except
in the first and last cases.
-I-
MaSSachuSettS,— It is forbidden —
To catch or kill woodcock, ruffed grouse (par-
tridge) between January ist and September ist,
or quail between January ist and November ist,
or wood or summer duck, black duck, or teal,
between April 15th and September ist, or Bar-
tramian sandpiper (upland or field plover)
between January ist and July 15th ; to catch
or kill at any time undomesticated birds not
named above, except birds of prey, crows, crow-
blackbirds, herons, bitterns, pigeons, jays, rail,
Wilson's snipe, wild geese, plover, sandpiper,
marsh, beach, or shore birds and fresh water and
sea-fowl not named above ; to disturb the nest
or eggs of undomesticated birds except those of
crows and birds of prey ; to catch or kill any
game-bird except pigeons by snare or trap, or to
hunt wild fowl with artificial light, battery or
pivot-gun ; to catch or kill wild deer before
December i, 1880, or thereafter between Decem-
ber 1st and October ist following; to kill gray
squirrel, hare or rabbit between March ist and
October ist ; to kill pinnated grouse (prairie-
chicken) except on one's own grounds and
grouse placed thereon by owner, at any time.
New-York,— It is forbidden —
To kill or chase moose or deer except between
September ist and December ist ; to sell or have
in possession fresh meat of same except
during last four months of the year; to kill a
fawn while in its spotted coat ; to set trap or
other artificial device for deer or moose ; to
pursue deer with dogs ; to kill deer in Suffolk
County before June 14, 1883 ; to kill wild duck,
goose or brant between May ist and September
1st ; to kill same at any time between sunset and
dayhght, or to take by any device except gun
fired from the shoulder ; to shoot at same from
boat propelled by steam or sails, or boats
attached thereto ; to use any floating battery or
machine for purpose of killing wild fowl, or use
any decoy or bough-house more than twenty
rods from the shore, except in waters of Long
Island, Lake Ontario and River St. Lawrence ;
to kill woodcock between January ist and August
1st (on Long Island between January ist and
July 3d) ; to kill black or gray squirrel between
February ist and August ist (except in St. Law-
rence and Franklin counties) ; to kill quail
between January ist and November ist ; to kill
rabbit or hare between March ist and Novem-
ber 1st, or to hunt with ferrets at any time (ex-
cept in nurseries or orchards by owners thereof) ;
to kill ruffed grouse (partridge), or pinnated
grouse (prairie-chicken) between January ist and
September ist (in Suffolk County between Jan-
uary ist and October ist), or take, except by
shooting, the above, or spruce grouse (Canada
partridge), or quail at any time; to kill eagle,
woodpecker, night-hawk, sparrow, yellow-bird,
wren, martin, oriole, bolDolink, or other song-
bird at any time; to kill robin, brown
thrasher, meadow-lark or starling, between
January ist and August ist (in Kings, Queens,
.Y_
-4-4^^
^^1
^
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36
-* TpE V NEW- Y0RK •:• ^I^M^N^^C.
-^-^-^
I
Putnam and Suffolk counties, between January
ist and October ist, except meadow-lark); to
destroy or rob nest of any wild bird ; to disturb
wild pigeon on its nesting-ground ; to shoot,
hunt, trap or cage on Sunday ; to trespass upon
lands for purpose of shooting or fishing after
due notice forbidding same by owner or occu-
pant. Prairie-chicken and quail may be had in
possession between January ist and March ist,
and partridge between January ist and February
1st, if the same were killed within the period
allowed by law, or in any locality where their
killing was lawful. Robins may be killed on
one's own premises, if destroying fruit, and
non-game birds for study or for mounting.
New Hampshire,- It is forbidden-
To kill mink, otter, beaver, sable or fisher,
between April ist and October 15th, or musk-rat
between May ist and October ist, or hare be-
tween March ist and October ist ; to expose
poison for the destruction of animals ; to catch
or kill insectivorous or song birds, unless they
are doing damage on one's own premises ; to
kill woodcock between February ist and July
4th, or plover, yellow-legs, sandpipers, or rail,
between February ist and August ist, or ruffed
grouse, partridge, or quail, between February
1st and September ist, e.xcept partridges doing
damage to fruit-trees or on cultivated lands ; to
catch grouse, partridge or quail with trap or
snare, except on one's own grounds ; to catch
or kill deer between January ist and August ist ;
to destroy birds on lands where the owner or
occupant has forbidden the same ; to disturb the
nests, eggs or young of insectivorotis, song and
game birds. The prohibitions respecting insect
ivorous and song birds do not apply to profes
sional taxidermists, nor to persons collecting
specimens for an educational institution.
Rhode Island,- It is forbidden -
To kill woodcock between January ist and July
4th, or ruffed grouse between February ist and
September ist, or quail between January ist
and October 15th, or Bartram's sandpiper or
grass plover between April ist and August ist,
or dusky or black duck between March ist and
September ist, or any wood or summer duck
between March ist and September ist, or blue
or green-winged teal between March ist and
September ist ; to catch quail or partridge with
trap or snare, or shoot any water-fowl with bat-
tery, swivel or punt gun, except on one's own
land and for one's own use, during the lawful
season ; between February ist and September
1st to shoot or kill on the grounds of another,
without permission from the owner or occupant,
any bird, or to catch or kill any bird except
game-birds and water-fowl, or to destroy the nests
or eggs of any bird, or to catch or kill, except
on one's own land, any bird except game-
birds and birds of prey ; to catch or kill wild
pigeon with snare or trap between January
1st and August loth ; to catch or kill rabbit
or hare between February ist and September
1st, or to hunt the same at any time with ferret
or weasel. Fresh-water ducks, except those
mentioned above, all sea-ducks, geese, crows,
kingfishers, crow-blackbirds, herons, bitterns,
plover (except as above), cow-blackbirds, curlew,
rail, sandpipers, snipe and birds of prey, e.xcept
fish-hawks or ospreys, may be killed at any
time. The killing of wild birds not mentioned,
and the destruction of their nests or eggs, are
prohibited.
New Jersey,— It is forbidden—
To kill deer except between October 15th and
December ist, or gray, black, or fox squirrel
between January ist and July ist, or hare or rab-
bit between January ist and November ist ;
to take wild duck, brant, or goose, except with
shoulder-g^n ; to kill upland or grass plover
between January ist and August ist, or wood-
cock between January ist and July 4th, or quail
or Virginia partridge between January ist and
November ist, or ruffed grouse or pheasant
between January ist and November ist, or pin-
nated grouse or prairie chicken, or wild turkey,
prior to November i, i88o, and after that date
prairie-chicken between January ist and Novem-
ber 1st, or rail-bird between December ist and
September ist following, or reed-bird between
December ist and August isth following ; to
kill at any time any insectivorous or song bird,
or disturb the eggs of any wild bird, unless pred-
atory or destructive of game or insectivorous
birds ; to disturb wild pigeon on its nesting-
ground or discharge fire-arms within one-fourth
of a mile of the same ; to take by trap or snare
of any kind, except for scientific purposes or for
preserving alive over the winter, any deer, par-
tridge, quail, pheasant, grouse, snipe, reed or
rail bird ; to kill summer or wood duck between
January ist and September ist. Pheasant and
quail may be sold during the five days next fol-
lowing the time in which they may be killed, and
at other times if killed where the killing was
lawful. Non-residents must comply with the
by-laws of the Game Protection Societies.
Maryland,— It is forbidden—
To shoot at water-fowl " bedded in flocks " on
feeding or roosting grounds from boat or float ;
to shoot water-fowl from blind farther than one
hundred yards from shore, or from boat with-
out permission of owner of adjoining lands ; to
shoot or catch partridge between January 15th
and October 20th, or woodcock between Febru-
ary 1st and June loth, or pheasant between
February ist and August 12th. Special laws for
shooting water-fowl from boats within waters of
Chesapeake Bay lying between line drawn from
Turkey Point Light-house westward to point half
a mile north of Spesutic Island, thence west-
ward, within half a mile of island and mainland,
to Oakington, and line drawn eastward from
Point Concord Light-house to Carpenter's Point :
It is forbidden to shoot wild fowl between April
ist and November ist, or between half an hour
after sunset and one hour before sunrise, at any
season ; to shoot wild fowl from boat or float
within half a mile from any shore in Harford, or
Cecil county ; or with any other than shoulder-
gun, or on other days than Monday, Wednesday
and Friday, prior to January ist in any shooting
season, or on other days than Monday, Wednes-
day, Friday and Saturday after January ist ; to
shoot from sink-boat or sneak-boat, unless the
same be licensed, or to be on the waters as
aforesaid with such boats at times when shooting
is unlawful. Every county except Carroll, Cecil,
Harford and Howard, has special shooting-laws.
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-* ¥PE V NEW-Y81^K •:• ^If^^NHC.:
37
f
Maine,— It is forbidden —
To kill moose until after October i, 1880,
or thereafter between January ist and October
ist ; to hunt moose, deer or caribou with dogs at
any time; to kill deer or caribou between Jan-
uary 1st and October ist ; to destroy in any way
mink, beaver, sable, otter or fisher between May
1st and October ist ; to kill wood-duck, dusky
or black duck, or any sea-duck or plover between
May 1st and September ist ; to kill ruffed grouse
(partridge), woodcock, quail, pinnated grouse
(prairie-chicken), between January ist and Sep-
tember ist ; to kill or catch birds above named
by any other method than with ordinary sporting
fire-arms ; to kill insectivorous birds, except
hawks and crows ; to disturb nests, eggs, or
unfledged young of birds, except hawks, crows
and owls, unless for preserving as specimens, or
rearing. Shooting duck on the sea-coast is
not prohibited.
Pennsylvania,-it is forbidden -
To kill elk or wild deer except between October
ist and December i6th ; to kill a fawn when in
its spotted coat ; to pursue elk or deer with dogs,
or to kill the same in the water if driven there by
dogs ; to kill gray, black, or fox squirrel between
January ist (Pike County, December 15th) and
September ist ; or hare or rabbit between Janu-
ary 1st (Pike County, December isth) and
October 15th ; to kill or catch wild duck or goose
with any device other than shoulder-gun ; to kill
wild turkey between January ist and October
iSth ; to kill any wild fowl between May 15th and
September ist ; to kill upland or grass plover
between January ist and July 15th, or woodcock
between January ist (Pike County, December
15th) and July 4th, or quail (Virginia partridge)
between January ist (Pike County, December
1st) and October 15th ; or ruffed grouse (pheas-
ant) or pinnated grouse (prairie-chicken) between
January ist and October ist (Pike County,
December 15th and September 15th) ; to hunt
pheasants or pinnated grouse during the night ;
to kill rail or reed bird except in September,
October and November ; to catch or kill at any
time any insectivorous or song bird, except
for scientific purposes ; to disturb the nest of
any wild bird except those destructive to insect-
ivorous or game birds ; to disturb wild pigeon
on nesting-ground, or discharge fire-arms near
the same ; to catch pigeon with net during nest-
ing season, or without a license from county
treasurer ; to kill or take wild turkey, pheasant,
quail, woodcock, rail-bird or prairie-chicken with
trap or net or torch-light (in Pike County, deer,
squirrel and rabbit also), except quail between
December 20th and February ist following, for
preservation or propagation, and with written
consent of owner of land ; to hunt, or shoot, or
fish on Sunday. Prairie-chicken, pheasant, quail
and woodcock may be had in possession fifteen
days after the period for lawful killing, and
persons may kill animals or birds found
destroying grain, fruit or vegetables on their
own premises. Hunting rabbits with ferrets is
forbidden. In Pike County, wood or summer
duck may be killed only between October ist
and January ist; and game may be had in
possession ninety days after the period for lawful
killing, and deer may not be killed until after
October i, 1881.
West Virginia,-it is forwdden-
To catch or kill any insectivorous or song bird at
any time ; to catch or kill quail or Virginia par-
tridge between January ist and October 15th, or
ruffed grouse(pheasant) , pinnated grouse (prairie-
chicken), blue-winged teal, mallard or wood-duck,
or any wild duck, wild goose or brant, between
February ist and September ist ; to catch quail
with snare or net ; to use any other than shoulder-
gun, or to use push or sneak boat in hunting
wild-fowl ; to disturb the eggs of birds protected
by law ; to discharge fire-arms within gunshot of
the dwelling-house of another ; to kill deer be-
tween January 15th and July 15th, except in
park ; to run deer with dogs, unless the deer be
wounded ; to hunt or fish within another's
grounds without permission ; to shoot a tame
deer wearing bell or collar ; to catch fish except
with hooks, gigs or spears, between March ist
and October ist.
Connecticut— It is forbldden-
To kill woodcock, quail or ruffed grouse between
January ist and October ist, or to destroy or
take from the nest eggs of the same ; to catch,
except on one's own land, woodcock, partridge
or quail with trap or snare ; to hunt within the
inclosed grounds of another, without permission
from the owner or occupant, where notice of
prohibition is posted ; to hunt or shoot on Sun-
day ; to catch or kill nightingale, bluebird,
Baltimore oriole, finch, thrush, lark, sparrow,
cat-bird, wren, martin, swallow, or woodpecker,
at any time ; to kill bobolink, or rice-bird, or
robin, between February ist and September ist ;
for any person to kill, or destroy the nests or
eggs of, any insectivorous or song bird at any
time, except on lands owned or occupied by
himself; to kill wild duck, goose, or brant,
between May ist and August ist, or to shoot the
same at any time with other than shoulder-
gun, or to shoot at the same from any boat
propelled by sails or steam, or any boat attached
to boat so propelled.
Delaware,— It is forbidden—
For any person not a citizen of the state to catch
or kill, either personally or by agent, for himself
or for another, any fish or wild fowl within the
state or waters bordering thereon, except that
owners of land may hunt or fish on their own
premises and adjoining waters ; for any person
not a citizen to catch or kill, as above, partridge,
pheasant, woodcock, ortolan, reed or rail bird, or
rabbit, upon land not owned by himself, without
license from the owner ; for any one to catch or
kill any game-bird between one hour after sunset
and one hour before sunrise, or by trap or snare
at any time ; to hunt rabbit or hare with ferret ;
to catch or kill upon the lands of another any
insectivorous or song bird, or to disturb the nests
of same ; to enter upon lands of another for
purpose of shooting without permission of owner
or occupant ; to catch or kill ortolan, rail or reed
bird between July ist and September Sth, except
on one's own lands ; to use artificial light in
hunting wild geese, ducks, partridges or quails ;
to kill partridge, pheasant, or rabbit in Kent or
Sussex county between February 15th and
November ist, or in New Castle County between
January ist and November ist, or woodcock in
either county between January ist and July ist.
i
38
Mz ¥PE V :^EW-Y0]^K V ^IiPHNHC.
The National Finances.
i
THE financial policy of the Government is of
so much interest and importance to every
citizen, and has come to be so prominent an
element in politics, that we feel we shall be doing
our readers a service if we place within their
reach in a form easily preserved, the principal
facts in respect to the National Debt, the Cur-
rency, the Revenues and Expenditures of the
Government, and the course of Trade.
National Debt, Sept. i, 1865 $2,757,689,571
Oct. 1,1878 2,025,908,485
Reductwn in ij years yji,y8i,o86
Unpaid advances to Pacific R. Rs. 29,555,858
Interest-bearing debt, 1865 2,381,530,295
U. S. Notes, 7 3-10 per cent. . . 830,000,000
Comp'nd Int. Notes, 6 per cent. 217,024,160
Bonds at 6 per cent 1,064,712,279
Bonds at 5 per cent 269, 175,728
Bonds at 4 per cent 618,128
Interest-bearing debt, 1878 1,832,261,550
Bonds at 6 per cent 713,494,900
Bonds at 5 per cent 703,266,650
Bonds at 4J^ per cent 250,000,000
Bonds at 4 per cent 151,500,000
Navy Pens'n Fund at 3 per cent. 14,000,000
Annual interest on debt of 1865. . . 150,977,698
" " " 1878... 95,920,563
Reduction in amiual interest 55<057,i35
'^ Money of the Country, Oct. i, iS6j 68§,jsg,204
Greenbacks and demand notes. . 428,160,569
National Bank notes 171,321,903
= State Bank notes 59,768,978
Fractional currency 26,487,754
z Money of the Country, Oct. i, iSyS 806,547,043
Greenbacks and demand notes. . 346,743,096
Certificates of deposit 40,710,000
Fractional currency 16,297,429
Notes of National Banks 322,108,712
Coin & coin ctf 's in bank reserve 30,687,806
4 Silver in circulation 50,000,000
National Bank reserve (deduct) . . 140,695,370
Money available for business 665,851,673
Gold value of paper dollar, 1865 ... . 6932
Gold value of paper dollar, 1878 . . -9963
Gold value of silver dollar, O ct. , '78 . 8238
Coin in Treasury, Oct. i, 1878 232,65g,646
For called bonds, int. , coin ctfs. , &c. 98,427,781
Available for resumption 134,231,865
4 Coin and bullion in country 358,443,947
4 Product of American mines, 1878 93,952,421
1 Does not include any interest -bearing securities or coin. As
gold does not circulate east of the Rocky Mountains, these
estimates do not include the money of California. National
Bank reserve of 1865 unknown, but included an unknown
part of $74,261,847 in Compound Interest Notes, and an
unknown part of $14,966,144 in specie.
2 Issued by National Banks under state laws.
3 Does not include gold or coin certificates, except what is in
National Bank reserve.
4 Estimate of U. S Mint.
5 Does not include inte.est on the public debt.
6 *' Memoranda concerning Government Bonds, for the infor-
mation of Investors," Fisk & Hatch, New-York, 1878.
7 President Hayes's speech, St. Paul, Minn., Sept. 5, 1878.
Net Revenue, fiscal year of 1866 . . $558,032,620
Net Revenue, " " 1878 . . 257,763,879
Reduction in Ta.xes 300,268,741
Expenditures, fiscal year of 1866 . . 520,809.417
Expenditures, /' « 1878 . . 236,964,327
Reduction in Expenses 283,845,090
s Appropriations, fiscal year of 1879 146,449,650
Imports exceeded exports, 1869-73 554,052,607
Exports exceeded imports, 1876-78 488,628,24a
Excess of exports, fiscal year of 1878 257,832,607
Value of exports, " « 1878 680,683,798
Agricultural exports, " « 1878 592,475,813
^National debt, U. S., per capita 52.-(-
*Same, of Great Britain and Ireland 114--]-
6 // /' France 127.-I-
6 " /' Netherlands ioi.-|-
6 II II Spain 142.+
6 " /' Italy 72.-}-
6 // II Portugal 99.-1-
6 II II Egypt 85.-1-
In 1865 when the national debt was greatest
on the Treasury books there were also a large
number of unadjusted claims against the Govern-
ment, many of which have since been paid ; so
that the debt was really about $3,000,000,000, of
which about $1,000,000,000 has been paid.? All
bonds of the United States as above, except the
Navy Pension Fund, are payable, principal and
interest in coin, either by the express terms of
the Acts under which they were issued, or by the
pledge of the faith of the United States in the
" Pubhc Credit Act" of March 18, 1869. At
the time when these various acts were passed,
the silver dollar of 412^ grains was at a pre-
mium, and the Act of March 18, 1869, was
passed to strengthen the public credit and thus
facilitate funding the debt at a lower rate of
interest, after it had been proposed to pay the
bonds in greenbacks. They were all exempted
from taxation to make them more valuable to the
Government in selling, and that the rate of interest
might be low, thus reducing the interest burden.
Certificates of deposit are used in making large
currency payments, and coin certificates in mak-
ing coin payments, the greenbacks and coin being
in the Treasury and held as a special fund for
their redemption.
Under present laws the currency may be ex-
panded to any limits required by business.
Greenbacks must be retired to the amount of
eighty per cent, of new national bank currency
issued until there remains only $300,000,000
greenbacks in circulation. After that every new
issue of national bank currency will add so much
to the money of the country.
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^* IPE •:■ NEW-Y@:^K •:• ^hJKJiJinG.t^
Life Insurance Topics.
39 r
w
The Generous Aspect of It,
"E suppose there is no doubt whatever that,
if the payment of a small sum of money
every year would secure to young and middle-
aged men the certainty of twenty or thirty
years more of life, there is hardly a man in the
United States who would not save and pay
over to the proper authority that sum of money.
If any one should ask why men with the
prospect of long life should be so solicitous,
every one would reply — with some indigna-
tion, possibly, that such a question should be
asked — " Do you not see that it is worth a
great deal to me to be sure I will live so long?"
No one would deny the legitimacy or the
force of such reasoning. Every one would
say, " I ptay die to-morrow, or next week, or
next year, and if I can be sure of thirty years
of life by paying a small sum of money every
year, all the talk in the world cannot convince
me that it is not a good investment." To
purchase such a boon men would deny them-
selves— wear less expensive clothes, eat less
expensive food, walk to and from their busi-
ness instead of riding, work earlier and later ;
they would do almost anything, even while
their health was good and death seemed afar
off, simply to purchase the certainty of long
life, and every man of them would account it
the best investment under the sun.
And if we should question them closely as
to why they wanted to live, we are sure many
of them would give reasons not altogether
selfish. Those who were husbands would
mention the fact that if they died young they
would leave widows without the means of sup-
port ; those who were fathers would make affec-
tionate mention of their children, as well as of
their wives, and would ask what such helpless
beings could do, or what a mother- with but
two feeble hands could do to fill so many
mouths, and clothe so many frail bodies, and
educate so many minds for the severe duties
and responsibilities of life. And no man with
T a clear head and a good heart could gainsay
f^^— ^
the argument. Every one would say it was
the noble, the generous, the manly course to
adopt and to follow, and the man who should
hesitate to walk in it would be looked upon as
devoid of good sense as well as of honor.
Well, life insurance does not pretend to
secure the prolongation of life for any definite
period. So the inducement that might be
regarded as purely selfish, in the plan we
have supposed, forms no part of the plan of
life insurance. But life inszirance does offer
the inducements which we have mentioned as
likely to have weight with the unselfish, and
the generous, husband and father. If he dies
it makes for his widowed wife and fatherless
children the very provision which he would
make were he to live, and in view of this it
may be fairly asked whether money can be
put to a nobler use.
The Practical Aspect of It.
IT is sometimes said of life insurance that
it appeals too much to the sentimental ; that
all this talk about the probabilities of dying,
and the possible distress of widows and
orphans, savors too much of the school-girl
order of literature. But if such persons will
consider a moment, they will be compelled to
admit that life insurance is as thoroughly
practical as any thing in the world.
A man dies, and leaves a family without
the means of support. There is no theory
about that. It is something that often happens.
The family suffer, possibly for the actual
necessaries of life. That is a very practical
matter — what we might call a hard fact. If
they have food to eat and clothes to wear, the
children, very likely, are deprived of the edu-
cational advantages they would have enjoyed
had the father lived. That is another hard
fact. They must get work, such as they
can find, at an early age, and grow up unfitted
for those higher positions and higher enjoy-
ments to which they might have aspired had a
_ . — .;-^^G)
40
-* THE V NEw-ye^K V ^Lja^jv^c.*-
^-f
they been better educated. The hves of mother
and children must often be a long and weary-
ing struggle with poverty, which makes them
all old before their time. All these matters
are intensely and painfully practical.
Suppose, on the contrary, the husband and
father dies insured for $5,000 or $10,000.
The receipt of this sum shortly after her
husband's death is no sentimental perform-
ance. The mortgage on the home, for half
the amount, perhaps, is paid off, instead of
being foreclosed. The home is now their
own ; they fear no landlord and pay no rent.
The balance may be placed at interest, where
it will yield an annual income that will do
considerable toward supporting the family.
Whatever the sum received, the family at least
have so jnuch more without any additional
labor or economy. They can buy so much
more of comfort, of education, of happiness.
All this is very practical. It is for Just such
things as the proceeds of a life policy will buy
that men work most of their lives.
Again, suppose a young man takes an
endowment policy for $5,000, payable to him-
self when he is sixty, if alive, and to his family
should he die before that time. For thirty
years, or so, he pays premiums, which never
greatly burden him, and has the satisfaction
every day of knowing that this goodly sum
stands between his family and pecuniary dis-
tress. Well, suppose he lives until he is sixty,
and receives the money ; another very practical
and pleasing result. And if he is so well
pleased with the operations of life insurance
that he wishes to continue to patronize it in
another form, the New-York Life Insur-
ance Company will take his $5,000 and pay
him an annuity of $559.49 for it as long as he
lives. A man could live on $559.49 a year
very comfortably.
In all this there is nothing visionary or
sentimental, unless we are willing to concede
that all men plan and scheme, labor and save
for, are sentimental ends. If the sentiment
of love for wife and children, the desire for a
clear conscience, a happy and contented life,
and a peaceful old age, move men to insure
their lives, then blessed be sentiment ; but we
insist that the ends sought and attained are
thoroughly practical.
Tl^e Widows ai^d Orpl^ai^s' Bai^k.
DURING the year ending January i, 1878, the
thirty-four life insurance companies doing
business in the state of New-York, received in
premiums over sixty-two million dollars. Why
this immense outlay ? What could induce men
to pay out so much money ? The year 1877
was not a time when people had money to
throw away. What did they get in return for
their sixty-two million dollars ? They got the
asstcrance that their families %voiild receive over
twenty-four times as mtich if they died during
the year / Of course only a small proportion
of the six hundred thousand men who contrib-
uted to these sixty-two million dollars actually
died during the year, but the living were all
one year nearer their death at its close, and
they still had the privilege of continuing their
payments on the same favorable terms until
death.
Have we not rightly named life insurance
companies "The Widows and Orphans'
Bank" ? Here one may deposit money for
his wife and children with a reasonable cer-
tainty of their receiving at his death from
twenty to fifty times the amount of his yearly
deposit, no matter hotv soon he may die.
Young men, i7t the mass, have the certainty
of many years of life, but no one of them has
the certainty of a single year of life.
Those who die young will not have had time
to provide for their families, and they will
leave them at the very time when money, and
the things that money will buy, are most
needed. Life insurance provides amply for
these without burdening any, and without
degrading any ; and the families of those who
live long receive, in almost every case, as
much as was paid in.
But some of these depositors in the Widows
and Orphans' Bank did die — over seven thou-
sand in all — a large number if we consider
them by themselves and in relation to the
wants of their families. Probably few of
them expected to stop work just yet. Death
came to most of them, as it comes to most
men everywhere — unexpectedly. The farmer
left his plow in the furrow, the mechanic his
hammer and forge, the professional man his
books, the writer his pen, — and never went
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W^E •:• :^EW-Y0^K •:• ^LJS^N^C.
41
back to them. The moving and directing and
sustaining power of these thousands of homes
was gone, and it seemed at first as though
nothing was left. But tliere was much. The
mother was left to her children and the chil-
dren to her. They must be cared for, and
educated for the responsibilities of life. The
good example of many kind husbands and
fathers was left also, and his parting words of
tenderness, and anxiety for the welfare of his
loved ones were emphasized by the fore-
thought which had provided for this eine^'gency
by securing to them the payment of over tweitty-
six million dollars. Love could not pro-
long' the lives of those appointed to die,
but love could, and did, provide for
those who were appointed to live.
But some one will ask, " What became of the
balance of the money received ? " Well, the
companies found upon reckoning up the gains
and losses of the previous year that there
remained a surplus to the credit of those who
had been insured during that time, and so they
paid to living policy-holders over fifteen million
dollars in dividends. Some of the policy-
holders thought they either did not need
insurance longer or could not afford to pay for
it, but as the privilege of keeping up their pol-
icies on the terms they began was a valuable
one, the co7npanies paid thefji aver nineteen mill-
ion dollars to surrender their policies.
Gettii^g Oije's Moijey Back,
SOME persons are accustomed to think of
life insurance as a system under which a
man receives back but a small proportion of
what he pays to the company, unless he dies
soon after insuring. They think that if he
lives long he pays a good deal for the satis-
faction of being insured. It will probably
astonish most persons to be told that life
insurance in a good compajty does not cost the
whole body of policy-holders as much as the
BARE USE OF THE MONEY they pay to the
company. That is to say, the policy-holders
get back more than they pay in. Yet it is true,
and susceptible of proof. From its organization
to January I, 1878, the New-York Life
received from policy-holders $73,505,921.14;
it returned to them and their representatives
during the same time, $41,747,081.57; and it
held in trust for living policy-holders, at that
date, $34)957)250.93 ; showing a balance, over
the difference between the amount received,
and the amount returned and held in trust, of
over three million dollars.
This principle, that the use of a man's
money pays for his insurance, — that is, that he
gets back as much as he pays in, — is not only
true of insurers taken together, but it is almost
invariably true of individuals, if they keep tip
their policies tintil maturity. This also will
seem startling to many, but like the first asser-
tion it can easily be proved by the figures.
Let us consider first, —
The Whole Life Policy.
On a policy of insurance for $1,000, taken at
age 25, payable at the death of the insured,
the yearly premium in the New-York Life
is $19.89. The sum of the payments on this
policy will not, therefore, reach $1,000 in fifty
years, when the insured will be 75 years of
age. If the policy is taken at age 65, the
yearly premium will be $102.55, '^'^^ the sum
of premiums paid will not reach $1,000 in
nine years, when the insured will be 74. If
the policy is taken at any age between 25 and
65, the sum of the premiums paid will reach
$1,000 when the insured is between the ages
of 71 and 75. A man must, therefore,
live beyond 71 years of age, or a whole
Life Policy will return more than the
premiums paid on it, even though the
company should never pay a single
penny in dividends.
Limited Payment Life Policies.
The annual premium for ten years to secure
$1,000 payable at death, is by the New- York
Life tables $42.56 at age 25, and $96.91 at
age 57 ; therefore such a policy, taken between
these ages, would cost the insured, in pre-
miums paid, between $425.60 and $969.10,
according to his age at the time of insuring.
That is, provided he lived the whole ten years ;
if he died sooner the cost would be propor-
tionately less. If he insured between the ages
57 and 65 he would have to live at least eight
years longer or his policy would cost less in
premiums than it would return.
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42
-Mc 3FPE •:• NEW-YGI^K •:• ^Iija^jV^CJic-
On a life policy for $i,ooo taken at age 25, if
paid up by fifteen annual premiums their sum
could not exceed $485.10, and if paid up by
twenty annual premiums their sum could not
exceed $547.80. No matter at what age the
insurance were effected, on the fifteen-year
plan the insured would not pay out $1,000
until he was over 67 years of age, nor on the
twenty-year plan until he was over 68.
In none of these cases has any allowance
been made for probable dividends, the purpose
being to show what the largest possible cost
would be. In actual practice, the dividends
reduce the cost to policy-holders in the New-
York Life Insurance Company very mate-
rially.
Endowment Policies.
On an endowment policy for $1,000, paid
up by ten annual premiums, taken at age 25
and made payable in 35 years, or at death, if
prior, the cost in premiums paid could never
exceed $525 ; if taken at age 50, and made
payable in 20 years, or at death, if prior, the
premiums paid could never exceed $872.20;
if taken at any age between 25 and 50 and the
endowment be made payable in 20, 25, 30 or
35 years, or at death, if prior, the extreme
cost in premiums paid would be between $525
and $872.20.
In the case of endowment policies upon
which premiums are paid until the endowment
matures, or until death, if prior, the cost in
premiums paid on the 20 and 25 year endow-
ment can never exceed $1,000 unless the
insurance begins at a later age than 36 ; the
30 year endowment may begin at any time
until age 35, and the 35 year endowment until
age 33, without the possibility of the sum of
the premiums paid ever amounting to $1,000.
Two things should be borne in mind in
considering the significance of the foregoing
statements :
1. The material difference which dividends
make in the policy-holder's favor.
2. It has been taken for granted in every
case that the insured would live long.
And yet, under these circumstances, we find
that a very large proportion of those who need
life insurance can get such as they need with-
out the possibility of ever paying more for it
Y than the use of their money.
.©^■=-^^-5 — ■ ——
Iijsuraijce as ai^ Ii^vestmeijt.
HAVING shown in a preceding article that, by
the terms of most life insurance policies
they are sure to return at least the money paid
on them, it now becomes proper to show that
a man may live a good many years after
insuring and still his life policy will return all
premiums paid on it with co7npo2ind interest
at a fair rate. Still keeping not only within
the limits of probability but of FACT, we find
the following result :
A Whole Life Policy, premiums payable
annually until maturity.
Will return all
Policies taken at the ages given at the
premiums paid
head of these columns, and maturing by
with compound
death of the insured
at the ages given
interest at the
in the same column-
~
rates given in
this column.
Insuring
Insuring
Insuring
Insuring
at
at
at
at
Per Cent.
Age 25.
Age 30.
Age 35.
Age 40.
Dying
Dying
Dying
Dying
at Age
at Age
at Age
at Age
55
57
60
65
Over 3
52
55
57
60
" 4
5°
53
5^^
5«
" 5
48
51
54
57
" t)
46
5°
53
5<^
" 7
45
48
52
55
« 8
44
47
51
54
" 9
43
46
50 ' 54
" 10
An Endowment Policy, payable in 25
years, or at death, if prior, premiums to be
paid every year until maturity, or until death,
if prior.
Will return all
Policies taken at the ages given at the 1 premiums paid
head of columns, and maturing by the with compound
death of the insured at the ages given ' interest at the
in the same column — rates given in
this column.
Insuring
Insuring
Insuring
Insuring
at
at
at
at
Per Cent.
Age 25.
Age 30.
Age 35.
Age 40.
Dying
Dying
Dying
Dying
at Age
at Age
at Age
at Age
44
49
53
58
Over 3
43
47
52
57 .
" 4
41
46
51
5^^
" 1
40
45
50
55
" 6
40
44
49
54
" 7
39
44
48
53
" 8
3«
43
48
52
" 9
37
42
47
52
" 10
^^:
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-^ ¥PE V ]V[EW-Y0]^K •:• ^hJ^n^^G. ^\^
43
Surplus and its Uses.
THE surplus of a financial institution is the
amount by which its assets exceed its
liabilities. The surplus accumulated from
year to year by a life insurance company is a
matter of great importance both to the com-
pany and to the policy-holders. To the com-
pany it is a protection against unexpected and
heavy losses in the future, whether resulting
from an increased death-rate, a decreased rate
of interest, or depreciation in the value of
securities. It is a strip of neutral territory —
wide or narrow, according to its amount —
between the company and insolvency. It
follows, therefore, that a part of this should
be kept inviolate, although every penny of it
is so much more than the law requires for legal
solvency. The prudent man does not habit-
ually walk on the extreme edge of a precipice.
But there are different standards of solvency.
As a life company's contracts are to mature
gradually, and in the future, an important
element in the problem of its ability to meet
them is the rate of interest which it receives
■upon its assets. The law which seeks to test
the solvency of a company must assume some
rate, and a law, to be safe, must not assume
too high a rate. The law of this state assumes
that a company will be able to realize an
average of 4^ per cent, interest on all its
assets, while that of Massachusetts only as-
sumes that it will be able to realize 4 per cent.
As the sum necessary to produce $100 at some
future time must be greater if it is increased
only at the rate of 4 per cent, than if increased
at the rate of 4^ per cent., therefore, the
reserve of a life insurance company must
always be greater on a 4-per-cent. -interest basis
than on a 4^-per-cent. basis.
A company's assets, however, remain the
same no matter what the rate assumed. But
as these assets must provide for all its liabil-
ities, of which the reserve is one, and as the
surplus is that which remains after all are pro-
vided for, if the reserve is made large for
safety's sake, by assuming a low rate of interest,
the surplus will be less than if the reserve is
made smaller by assuming a higher rate of
interest. This of course does not prevent a
company from accumulating a large surplus
according to the severer standard, but its
surplus will always be less by the higher
standard, where the low rate of interest is
assumed, than by the lower one where the
higher rate is assumed.
The New- York Life, for example, with
$34,957,250.93 assets, had, January i, 1878, a
general surplus of $2,664,144.49, and a Ton-
tine surplus of $792,302.22 additional, by the
Massachusetts law, while by the New-York
law its total surplus was $6,274,841.20. Under
the one law, therefore, it has a surplus equal
to nearly 1 1 per cent, of its liabilities, while
under the other, it has a surplus equal to over
22 per cent, of its liabilities. So far as the
laws of this state are concerned, the Company
might pay out the latter sum as dividends.
But before either New- York or Massachusetts
had any law on the subject, the New- York
Life adopted the 4-per-cent. -interest standard,
and has always kept its reserve good on that
basis. While believing that a 4^-per-cent.-
interest reserve is perfectly safe, yet iti order to
be always sure of having that, as well as for
the sake of doing business in Massachusetts,
the New-York Life keeps the strip of neutral
ground between it and legal solvency by the
highest standard in use about three m-illion
dollars wide. The assumption of a low rate
of interest does not, however, prevent a com-
pany from receiving a higher one, as the
average rate received by the New- York Life
during the past ten years has been over six
per cent. But a company that assumes
a low rate is not under the necessity
of receiving a higher one, and conse-
quently is not under the temptation
to make speculative investments in
order to secure it.
The dividend-paying ability of a company
may be greater or less than the dividends it
actually pays at any particular time. A com-
pany may pay out in one year all the surplus
it accumulates in five, or it may accumulate
much and pay out none, or it may accumulate
and pay out in about equal proportions. It is
unquestionable that it may pay out too much —
may bring itself so near the precipice that " a
bad run of luck " may topple it over. It is
far better for policy-holders that the company
pay none at all, than that it should bury all in
W"
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44
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a common ruin. But there is a golden mean,
and it is found in the course of the New-York
Life, which makes security absolute, and
generous dividends possible every year. Not
only declared, but J>aid to every policy-holder
at the settlement of his second (mark this
word "second"), and all subsequent annual
premiums.
The Cost of li^suraijce.
WE give on the opposite page tables showing
the maximum annual cost in the New-
York Life of $ i ,000 insurance in several differ-
ent forms of policy. The Company hemgpitrely
mutual, as well as old, large and prosperous,
this nominal cost is largely reduced every year
after the first by dividends, unless the divi-
dends are otherwise applied at the policy-
holder's request.
The amounts given in Table i are to be paid
every year until the Policy becomes due, either
by the death of the person insured or by the
expiration of the time designated at the head
of the column from which the rate is taken.
The dividends that accrue from year to year
may be applied to reducing the amount actually
to be paid, or to increasing the amount of the
Policy.
The amounts in Table 2 are to be paid every
year for ten years, and the insurance is pay-
able, as in the other case, at the time indicated
at the head of the column from which the rate
is taken. In both cases the insured partic-
ipates in the profits of the company until the
Policy becomes due ; and where the premiums
are paid according to Table 2, if the insured sur-
vives the ten years, the dividends are paid him
in cash, or by increasing the amount of his
insurance.
Rates for all desirable forms of policies will
be furnished on application to the Company
or its agents. Policies issued with premiums
payable semi-annually or quarterly, if desired.
For the purpose of showing the difference in
the security given to one's family by life insur-
ance and that given by money at interest, we
have prepared Table 3, taking the life rates at
an age when most men have families. Of
course at a younger age the contrast would be
still more favorable for insurance. The same
would be true also were any allowance made
for dividends, which in the New- York Life
are declared and paid every year after the first,
on all ordinary policies. The Table shows the
amounts that would be received should death
occur immediately after the beginning of the
year, and the number of deaths per year among
1,000 men at each age.
The Work and Standing of the New-
York Life Insurance Co,
To say that the New-York Life has been
doing business nearly thirty-four years ;
that at the close of the thirty-third year it had
issued over one hundred and thirty thousand
policies, covering three hundred and eighty-
eight million dollars of insurance ; had
received from policy-holders seventy-three and
a half million dollars in premiums, re-
turned to them and their families nearly forty-
two millions, and still held in trust for them
nearly thirty-five millions more — to say this is
to say a great deal in a few words. We might
multiply words of panegyric and of praise,
yet they would fail to reach the dignity and elo-
quence of this simple record of the Fact. To
have done this is more and better than any
statement of it, or any eulogy upon it.
Yet a brief explanation of how it was done,
a statement of the principles, adherence to
which has resulted in so great an achieve-
ment, can hardly fail to be interesting and
profitable ; for no one who knows the cost of
success in the business world will for a
moment suppose that such results spring from
anything less than downright hard work, great
practical skill, and thorough knowledge of, and
faith in, certain great and fundamental prin-
ciples.
The Risk of Risks.
Among the first things a life company does
is to accept risks, agreeing to pay to the
friends of the insured at the latter's death
many times as much as is received yearly from
them. The man who has any reason to
expect that he will die young has a greater
motive to seek insurance than one who expects
to live long, and the same man when once
insured has a greater motive for keeping up
his policy The first danger, then, that
threatens a life company is that too many
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impaired lives will get in and stay in, and
that the long-lived will stay out, or, being once
in, will drop out, thus leaving the company to
encounter a higher death-rate than was cal-
culated on in fixing the premium rates. Add
to these facts the farther facts that a life com-
pany can only exist at all by accepting risks,
and that a large business is almost absolutely
necessary to economy and safety, and the first
great danger of a life company is apparent.
How well the New- York Life has met and
overcome this may be faintly realized when it
is known that, while it has accepted so many
thousand risks, its death-rate has been
well within the limits of the Mortality-
Table, and that now, after so many-
years, when it has many old risks, its
death-rate still retains this favorable
feature.
The Care of Funds.
Having accepted risks upon many lives, and
received a small payment upon each, the next
problem is to keep safely and increase gradztally
the money, which must be so kept and increased
in order to meet the increasing death-rate of
later years. When we reflect upon the fluctu-
ating values of the past fifteen years, upon the
fortunes lost in so substantial property as real
estate, and the recent great depreciation in the
value even of United States bonds, — this
function of a life company seems beset with
well-nigh insuperable difficulties. When we
add that a company, in fixing its rates, calcu-
lates on receiving at least four per cent, interest,
and that as a general rule, the higher rate of
interest a security bears the less desirable it
is, either on the score of safety or convertibility
— then we shall be prepared to appreciate the
skill that has so cared for the premium receipts
of the New-York Life as to enable it to
make the following showing :
Received to January i, 1878. . .$73,505,921.44
Paid Death-Claims 17.430,953.30
" Endowments, Dividends
and for surrendered Pol-
icies 24,316,128.27
Paid to Policy-holders $41,747,081.57
Assets January 1, 1878 34,957,250.93
Total Paid and held $76,704,332.50
Increase, besides expenses 3,198,411.16
This shows that after the heavy depreciation
in bonds and stocks, and after setting aside
$250,000 to meet any deficiency that may occur
on real estate loans, the assets of the Com-
pany, plus the sums returned to policy-holders
and their families, exceed the amount received
from them by over three million dollars ; in
other words, that the interest receipts of the
Company during the thirty-three years were
$3,198,411.16 more than the expenses of man-
agement. It is proper to add that during the
last ten years the interest receipts have aver-
aged over six per cent, on the mean total assets,
while the aggregate amount has be more
than the death-losses during the same period.
Fair Dealing, with Safety.
" Right is right, and wrong is no man's
right," says the proverb. The managers of
the New- York Life have endeavored to
conduct the business of the Company on this
principle, believing that the just is the expe-
dient. The Company has always been pu7-ely
nuitiial. There have been no stockholders to
manage the business in their own interests
and share the profits. The trustees and
managers have been simply arbiters between
the members, with no disposition to take from
one and give to others, and under no pecu-
niary temptation to do so. Surplus is divided
among policy-holders exclusively, so that they
receive their insurance at actual current cost.
The first premium paid is that in the rate-
tables, all others, except where there is a
special agreement to the contrary, are reduced
by dividends declared anApaid annually. ITo
reduction of rates can lessen the actual
cost of insurance, and it is every way
safer and better to pay the largest pre-
mium first, and after that to pay the
actual cost, than to attempt, by any
device, to get, or to appear to get, a
thing for less than its actual cost. At-
tempts of this kind always have, and,
from the nature of things, always must,
end in failure, and in disappointment
to the policy-holder.
The desire to do full justice to its patrons
led the Company, eighteen years ago, to orig-
inate the Non-Forfeiture system of policies.
This system soon became so popular that it
^K
^* ¥PE •:• NEW-Y0^K •:• ^lija^J^^O. ^^
47
*
was adopted — though sometimes in question-
able forms — by all other companies. It is
easy to promise retiring policy-holders benefits
of such a character that, while they would not
be greatly helped, the company may be greatly
harmed in times of financial panic or distress.
The New-York Life has so perfected its
non-forfeiture system as to secure safety to
the Company (without which all interests are
jeopardized) 2.x\A justice to the insured.
During 1877 the ratio of claims resisted to
claims paid by the New-York Life was less
than half the same ratio in the combined busi-
ness oi adl other companies doing business in
the state. Because a claim can be resisted on
some technical legal point is no sign that it is
not a just claim, and the company deals with
its members in that spirit of equity and fair-
ness which characterizes the dealings of men
of honor. Under this rule thousands of
dollars are paid every year to widows
and orphans who could not compel such
payment through the courts of law.
Safe and Progressive.
The absolute security of its policies has been
the first result aimed at in the management of
the New-York Life. It has not felt at
liberty to speculate upon trust funds, nor to
accept risks in a hap-hazard manner, nor to
reduce the cost of insurance from the table-
rates before knowing what reduction could be
safely made. The payment of dividends is
practically a reduction of rates, but a reduc-
tion a/?i?r the actual cost of carrying the insur-
ance is known. Even then the rates may be
reduced too much in the eagerness to make a
large showing. A notable example might be
referred to, where, after paying large dividends
for ten years, a few speculative ittvestments
plunged a large company into insolvency, and
it was saved from a Receiver's hands only by
scaling its policies.
The New-York Life has sought the best
investments rather than those which promised
an unusually high rate of interest ; the result
is shown in the promptness with which its
interest is paid, as interest is not paid on prop-
erty which has become worth less than the
loans upon it. Interest due and unpaid is not
an infallible sign of a bad investment, but a
bad investment always has this sign. At the
beginning of 1878, life companies doing busi-
ness in New- York reported as follows :
Amount of interest due and accrued, but
unpaid, on each $100 of real estate loans, —
New- York Life $i-44
Average of this item, on same amount, for
the thirty other companies which report this
item by itself. $4 . 62
Amount of interest due and accrued, but
uncollected, on each $100 of all securities held
by the New-York Life $1.11
Average of this item, on same amount of all
securities, for two companies which report un-
paid interest on all securities in one item, $1.92
Again, the New- York Life has sought the
best risks rather than many of an inferior
quality. It has always kept its reserve fund
good according to the most exacting standard,
and had on hand January I, 1878, a surplus by
the state law, equal to over twenty-two per
cent, of its liabilities. Were the Company
to pay out every penny of its divisi-
ble surplus, according to its own stand-
ard of solvency, it would still have a
surplus of over three million dollars
according to the state law.
To Sum Up.
While thus holding fast to all those conser-
vative principles which reason and experience
have shown to be desirable for perfect safety,
the magnitude of the Company's business has
been surpassed by that of few companies in
the world. It has advocated life insurance on
its merits, and has preferred success based
upon principle, and won by energy and skill,
to that for which it is necessary to sacrifice
both honorable methods and the certainty of
success. Its present prosperity shows the wis-
dom of its methods. During the last few years
of great business depression it has steadily
increased the number of its policies and insur-
ance in force, its assets and its surplus, and in
1877 it effected more insurance on new policies
than any other company in the country.
With the past thus secure, the present thus
solid and safe, and the future thus promising,
the New-York Life offers itself as a medium
to all who wish life insurance on the best plans,
with the best security, and with the most
favorable prospects of satisfactory results.
W'
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-<-^^
48
•^icipE :• NEW-Y01^K •:• ^Iifd^J^^C.*-
A TABLE SHOWINO THE
Progress i New-York Life Ins. Co.
IN THE
Amount of Insurance Eifected, the Income of the Company, the Sums Paid to Policy-holders and
their Families, and in the Sums Held and Invested for the Benefit of Living
Policy-holders, durii^ a period of Thirty-three Years.
Period,
Dates Inclusive.
No. of Policies
Issued.
Amount Insured.
Premiums Received.
Received from
Interest, etc.
1845 to 1849
1850 to 1854
1855 to 1859
i860 to 1864
1865 to 1869
1870 to 1874
1875 to 1877, 3 yrs.
4,767
5,448
3,404
15,104
38,918
43,831
20,140
$8,116,349
12,677,702
12,077,437
38,517,842
126,964,416
127,276,323
62,182,940
$410,378.07
1,544,064.75
1,939,292.51
4,250,964.45
16,941,695.69
30,639,982.99
17,779,542.98
$13,395-17
361,775.96
181,453.66
756,708.15
2,737,397-90
6,235,613.66
5,645,065.46
Totals
131,612
$387,813,009
$73,505,921.44
$15,931,409.96
Period,
Dates Inclusive.
Paid to Policj
r-holders in —
Assets
at the End of each
Period.
Death-claims.
Dividends and Ret'd
Premiums on
Canceled Policies.
Increase of Assets
in each Period.
1845 to 1849
1850 to 1854
1855 to 1859
i860 to 1864
1865 to 1869
1870 to 1874
1875 to 1877, 3 yrs.
$112,398.00
645,000.09
870,391.57
1,153,724.29
3,039,725.77
6,899,121.94
4,710,591 .64
$1,300.47
371,805.31
246,873.15
867,984.66
4,237,570.71
11,170,368.49
7,420,225.48
$320,581.27
902,062 . 70
1,769,133-24
3,741,078.48
13,327,924.63
27,348,667.08
34,597,250.93
$64,116.25
116,296.28
173,414.10
394,389.05
1,917,363.23
2,804,148.49
2,536,194.61
Totals
$17.430,953 -30
$24,316,128.27
Assets, Jan. i, 1878, $34,957,250.93
The following tables show the Company's condition at the end of 1877, and the progress made during that year.
As this table was made up and printed before the close of 1878, it could not include the business of that year.
Conditioi^, Dec, 31, 1877.
Number of policies in force .... 45,600
Total amount insured $128,000,000
Cash assets 34,900,000
* Surplus, Company's standard . . 2,660,000
* // N. Y. State // over 6,000,000
Progress, Etc, 1877.
Increase in No. policies in force. . , 184
// in amt. of insurance held, $153,414
'/ in assets 1,645,837
// in surplus 37,328
Excess of interest over death-claims 229,329
' Exclusive of the amount ($792,302.22) specially reserved as a contin£'eni \iabi\\ty to Tontine Dividend Fund.
During the last ten years the rate of interest received by the Company on its investments
has averaged over six per cent., and the aggregate amount received has more than paid its
death-losses during the same period. Notwithstanding the great depression of business during
the last three years, the Company has continued to increase the number of its policies in force,
the amount insured, the amotmt of its assets and of its divisible surplus. These features of its
business have been widely noticed by the press as evidences of extraordinary prosperity, and of
great skill and energy in management.
#^^
'^
APPLETONS' JOURNAL:
A MAGAZINE OF GENERAL LITERATUEE.
The plan of Appletons' Journal includes whatever the great world of readers may be supposed to be interested
in. The purpose is to make it always fresh, entertaining, vivacious, suggestive ; to give stirring fiction ; descriptions
of out-of-the-way phases of life ; essays upon social, literary, and art topics ; dramatic sketches of adventure ; enter-
taining gossip about distinguished people ; articles that exhibit the changes, whether of growth or decline, among dif-
ferent peoples. It will be broad and comprehensive, animated and vigorous, alert to seize upon current themes, and
neglecting nothing likely to interest instructed readers.
Terms. — Per number, 25 cents. Per annum, $3.00. A club of five copies will be sent as may be desired for
$12.00 per annum.
THE ART JOURNAL.
(issued monthly.)
Among the various features of The Art Journal are the following :
THREE MAGNIFICENT STEEL ENGRAVINGS, especially prepared for the work, will appear in
each number.
ILLUSTRATED ARTICLES ON ARTISTIC FTJRNITITRE.
GREAT EXPOSITIONS AND ART INDUSTRIES OF THE WORLD.
DECORATIVE ART IN ALL ITS APPLICATIONS.
HOMES OF AMERICA (being views and descriptions of stately mansions, picturesque homes of the people,
abodes of noted men, etc., etc.).
AMERICAN AND FOREIGN ARTISTS, giving sketches of their lives and engravings of their best
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fP^" The new series of The Art Journal contains features that make it indispensable to every person of culture
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Sold by subscription only. 75 cents per number, or $g.oo per annum.
THE POPULAR SCIENCE MONTHLY
Conducted by E. L. and W. J. YOUMANS.
Containing instructive and interesting articles and abstracts of articles, original, selected, translated, and illustrated,
from the pens of the leading scientific men of different countries ; accounts of important scientific discoveries, the appli-
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The Popular Science Monthly is a large octavo of 128 pages, handsomely printed in clear type, and, when nec-
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APPLETONS'.HAND-BOOK OF SUMMER RESORTS; -witli Principal Routes of Travel.
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APPLETONS' ILLUSTRATED HAND-BOOK OF WINTER RESORTS, Uniform with the
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APPLETONS' EUROPEAN GUIDE. Illustrated. Price $5.50.
APPLETONS' NORTHERN AND EASTERN TOUR. i2mo. Cloth. Price $2.00.
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Price 50 cents.
NEW- YORK ILLUSTRATED. Containing a Description of the Principal Points of Interest. Illustrated in
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These books are more than viere books for tourists ; they are fully and beautifully illustrated, making handsome
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they give, and their attractive art-features.
For sale by all book-sellers, or mailed post-paid to any address upon receipt of price.
; D. APPLETON & CO., Publishers, 649 & 651 Broadway, N. Y. X
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THE RURAL NEW-YORKER
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Owning and operating extensive Horticultural grounds near New- York,
solely in the interests of the paper and its readers, the managers believe that
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Its owners are horticulturists, practically conversant with the details as well
as the principles of the science, and are enthusiastic in their work.
This season we shall distribute free, among subscribers, $10,000 worth of
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These seeds are described at length and finely illustrated in The Rural
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Many of these plants were originated on our own grounds.
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or that has for its object the promotion of the happiness and welfare of the
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The wealth and earnest desire on the part of the management to benefit
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A large share of its space is devoted, by The Rural, to departments of a
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78 Duane Street, New- York.
I J
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PUBLISHEnS OF THE
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AND
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manufacturers, patent medicine dealers, and all classes of business men, will find its columns a
very valuable medium to advertise in.
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the railroads leading from the city. Advertisements inserted on liberal terms — at lower rates than
in any other Sunday paper published, when circulation is taken into consideration.
DIE TAGES-NACHRICHTEN has the largest circulation of any German daily news-
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German Sunday paper issued.
All classes of merchants and dealers who are seeking for German trade will find advertisements
in the columns of the Tages and Sonntags-Nachrichten reach a larger number of readers
than they would by any other channel.
M(3
f
^■^m
THE
ilv
Is the only illustrated daily newspaper
in the world. It is a favorite with
the intelligent and wealthy classes
everywhere.
Its number of subscribers has in-
creased MORE THAN THREE-
FOLD since January, 1877.
Terms, $12.00 a Year.
Address,
THE DAILY GRAPHIC,
39 & 41 Park Place,
New- York.
f^^^
As
^.
-5-^
DIFFERENT FORMS OF POLICIES
Offered by The New- York Life Insurance Company.
i
*
<&ii
1. Ordinary Life Policies,
The simplest form of life insurance is that
secured by an ordinary life policy, for which the
insured pays a certain sum, according to age,
every year as long as he lives, and at his death
the policy is payable by the Company. In addi-
tion to this simple contract of so much insur-
ance for so much money, these policies entitle
their holders to
Two Iryiportant Privileges.
The first is, that he shall share in the sur-
plus earnings of the Company, in proportion
to his contributions to it. That is to say, in a
well-managed company insurance really costs
less than the table rates, but exactly how much
cannot be ascertained until the end of each year.
At that time an estimate is made, and, what-
ever remains, after providing for the reserve
fund, is placed to the credit of policy-holders
as surplus, and from this dividends are declared
annually to each policy-holder, either in cash,
or in paid-up additions to the amount of his
insurance, whichever he may prefer.
The secofid is a stipulation for the protection
of such as find themselves unable or unwilling
to continue their policies after having made
several payments on them, and provides that,
after the payment of three annual premiums, if
the policy is surrendered in accordance with its
provisions, the Company will grant in exchange
for it a paid-up policy covering a certain speci-
fied proportion of the original insurance. Thus
the inability to continue the payment of pre-
miums is not allowed to work a forfeiture of
those already paid.
77^1? advantage of this form of policy over
others is, that, the premiums being smaller, the
same sum of money each year will secure a
larger amount of insurance, though it may be
necessary to continue the payments longer.
2. Limited Payment Life Policies.
A Limited Payment Life Policy differs from
the above only in this : ( i ) that only a limi-
ted number of payments is required, this
number being fixed upon at the time of insur-
ing ; (2) the premiums are higher ; (3) the
policy is non-forfeitable, as above, after the
payment of ttvo annual premiums.
These policies have the special advatitage
that the payments may all be made on them
while the insured is still young, or while he is
still in active business ; then if he lives longer
than that, the policy is no longer an expense to
him, but, on the contrary, the dividends afford
a yearly income in cash. They may be paid up
by five, ten, fifteen or twenty annual payments,
but payment of premium ceases at the death
of the insured, if occurring before the policy
is paid up.
3. Endowment Policies.
An Endowment Policy provides (i) mj'?^;'-
ance during a stipulated period, payable, like
that of any other policy, at the death of the
insured, should he die within the period ; and
(2) an endowment, of the same amount as the
policy, payable at the end of the period, if the
insured survive until that time.
The premiums may be paid annually until
the endowment is due, or they may be paid up
in a shorter time, like Limited Payment Life
Policies. In any case, payment of premiums
ceases with the death of the insured, should
that occur prior to the end of the period select-
ed for paying up the policy. The Endowment
Policy thus gives the insured the advantage of
a limited term as to payments ; provides insur-
ance during the period in which his death
would cause most embarrassment to his
family; and if he lives to the stipulated age,
the amount of the policy is paid to him at a
time when he may need it for himself, or should
he be in comfortable circumstances, it would
set up a son in business or be a good wedding
portion for a daughter.
For men who can pay for all the insurance
they need at endowment rates, there is nothing
like Endowment Policies. They combine the
principle of insurance tuith that 0/ layifig tip
money. By the payment of a comparatively
small sum a man secures a large sum for his
family, in case of his death before the endow-
ment falls due ; and if he lives until that time,
he has been laying up money for himself. By
insuring in a purely mutual company, a man
gets his insurance for just what it costs, and
gets compound interest on the balance of what
he pays in. x
=^
^
f
THE NEW-YORK
-5-^3^
350 PEARL S.T. (Franklin Square), N. Y.
Established 1863. is published P. O. Box 1919.
Weekly (Saturday) at $4.00 per annum.
■Por extent of Market Quotations The Neiv-York Mercantile Journal is nnequaled, and is therefore
of tlie greatest value to all Business Men. It is devoted to tjie interests of bona-flde Merchants, Mannfact-
urers and Bankers, and at all times refuses tlie use of its columns for advertising goods of questionable
merit.
There is not another Mercantile or other paper published in the United States so well calculated to
advance the interests of all those "who desire to do business with Merchants, Manufacturers, and others
throughout the Union. No other paper of the kind reaches as many business men. AdTertlsing patron-
age solicited from good substantial Houses only.
TO MERCHANTS, MANUFACTURERS ANB OTHER BUSINESS MEN.
"We take pleasure in commending to your attention THE NJEW-YORK MERCANTIXiE JOCRNAli
and THE TRUE CITIZEN.
Commendation is due not only for the commercial information furnished, but especially also for their able
advocacy, through many years past, of Currency Reform in the face of strong opposition.
Hon. Thomas W. Ferry,
" John b. Gordon,
" john a. logan,
" w. c. Whitthorne,
" Wm. D. kelley,
" Moses w. field,
" a. h. buckner,
" w. s. holman,
" JOHN J. Davis,
" T. L. Crittenden,
" E. O. Stanard,
Hon. John Coburn,
" Wm. Williams,
" Morton C. Hunter,
" G. L. fort,
" John w. hazelton,
" a. comingo,
" W. G. Donnan,
" Wm. Loughridge,
" j. b. lofland,
" H. E. Havens,
" BENj. F. Butler,
Hon. JOHN Cessna,
" L. D. WOODWORTH,
" M. H. Bunnell,
" s. o. Houghton,
" Lemuel Todd,
" e. mcjunkin,
" J. D. strawbridge,
" H. L. KICHMOND,
" AMOS Clark, Jr.,
" J. C. BURROWS,
" O. D. CONGER,
Hon. SOBIBSKI ROSS,
" j. d. c. atkins,
" Charles Albright,
" james s. biery,
" SAM'L a. DOBBINS,
" T. J. CASON,
" THOS. WHITEHEAD,
" GEO. W. McCRARY,
" C. N. liAMISON,
" J. B. Packer,
and many others.
It gives the undersigned special pleasure to indorse the foregoing commendation of the Ne'w-York Mer-
cantile Journal ConiTptiny's publications by members of Congress, adding that, since the Currency Question
is the most important secular matter before the country, tlie papers named^whieh contain a large amount of
valuable commercial and financial information, and Are Excellent Mediums for AdTertising— 0Mif7it to
receive the cordial support of the ousiness community.
GEORGE OPDYKE,
H. B. CliAFIilN,
GEORGE T. HOPE,
JACKSON S. SCHUIiTZ,
SHEEDON GOODWIN,
PEINY FREEMAN,
DANIEIi C. ROBBINS,
WM. M. HAIiSTED,
JNO. F. HENRY, CURRAN & CO. P. VAN VOEKENBURGH & CO.
WM. H. SCHIEFFEIilN & CO.
BEECHER, PARK & CO.
E. «& O. WARD,
W. R. MITCHEEIi & CO.
W. E. STRONG & CO.
TEFFT, GRISWOED & CO.
E. M. BATES & CO.
and many others.
The True Citizen,
A MONTHLY PAPER OP 32 PAGES,
DEVOTED TO THE DISCUSSION OF THE
LIVING ISSUES OF THE DAY;
Crowded with matter which should be read by every Citizen in the land.
Siit>sc]'iption pt'ice, ....... $1.00 pei* a-nniiiii.
SALT A NECESSITY— WHAT IS ECONOMY ?
Since Salt is not only necessary to health, but life itself, any man w^ho would entirely dis-
pense with its use, in order to reduce his expenses from one hundred dollars to ninety-nine
dollars and ninety-five cents per month, would no doubt be considered eccentric, to say the
least. What, then, ought one to think of the merchant who— because business is dull and
money scarce— cuts oif his Commercial and Financial Newspaper, the Salt of his business,
afiairs ? The man >vho JUDICIOTJSEY economizes is wise, but when he allows himself to
withhold his seed-corn from the earth, with a view to hoarding it, he makes a mistake.
^
f"
ST. DENIS HOTEL
Cor. Broadway & Eleventh SL, New-York.
:^^
^
IN CONNECTION WITH
THE WELL-KNOWN
TAYLOR'S
SALOON
EUROPEAN
PLAN.
The location of this hotel is the most cei tial m the city, of easv access fiom all the principal
depots and ferries, being especially conv enient to all the leading retail stores and places of amuse-
ment. The hotel has been very much improvetl by the addition of a firsl-class Passenger
Elevator, the rooms are commodious, handsomely furnished and well ventilated, every depart-
ment of tlie house bein^ amply protected against fire. The Restaurant, which, under the name
of "Taylor's Saloon," has acquired a national reputation, is conducted in connection with the
hotel, and special care taken to preserve its excellent cuisine and reasonable prices.
WILLIAM TAYLOR, Proprietor.
SlciD||orfi
THE
cmcinc Scitung
PUBLISHED DAILY, WEEKLY AND SUNDAY.
SUNDAY:
^^3)cr Jico&acfiter am Jjudson
^^
The only Republican German Newspaper in the City of New- York.
Circulates among the best classes of German society throjigJioiit the country.
The Weekly Edition of the N. Y. Allgemeine Zeitung (the largest weekly
in the U. S.) is the leading German weekly.
IT IS A VALUABLE MEDIUM FOR ADVERTISEMENTS.
For rates, &c., Acidress :
WILLIAM MAYER, 7 Spruce St., Tribune Building, ITew-York. ■■
^((
^s-
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(y 1
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J JANUARY.
JUNE.
AUGUST. ^
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10
II
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14
3
4
5
6
7
8
9
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21
10
1 1
12
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17
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FEBRUARY.
1879.
SEPTEMBER.
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8
9
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II
12
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12
13
14
'^^5
New- York
14
15
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17
18
19
20
i6
17
18
19
20
21
22
21
22
23
24
25
26
27
23
24
25
26
27
28
LIFE
INSURANCE COMPANY
Has been in 'bnfdnesa
34 Tears.
28
29
30
MARCH.
OCTOBER,
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Is a Purely Mutual Company.
5
6
7
I
8
2
9
3
10
I I
9
10
II
12
13
14
15
HAS PAID IN DEATH CLAIMS
12
13
14
15
16
17
18
i6
23
30
17
24
31
18
25
19
26
20
27
21
28
22
29
About $19,000,000.
HAS NOW IN FORCE ABOUT
45,000 Policies,
WHICH are SECTTEED by OVER
19
26
20
27
21
28
22
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23
30
24
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APRIL.
NOVEMBER.
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$37,000,000 Assets,
I
6
7
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9
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II
12
Over SIX MILLION Dollars of
2
3
4
5
6
7
8
13
14
15
16
17
18
19
whicli is SURPLUS.
9
10
II
12
13
14
15
20
21
22
23
24
25
26
POLICIES NON-FORFEITING.
16
17
18
19
20
21
22
27
28
29
30
I
IVIDENDS ANNUALLY.
23
30
24
25
26
27
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29
MAY.
JULY.
DECEMBER.
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6
7
8
9
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12
7
8
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II
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§i
^ ■ •
9*^''
e
)K
THE PRICE OF THIS PAGE IS
One Hundred Dollars^
BUT IT IS LEFT BLANK
BECAUSE
THE LEAF WILL BE GUT OUT
FOR XIIK
CALENDAR ON THE OTHER SIDE.
V
But if You will Remember,
EVERY TIME YOU LOOK AT THE
CALENDAR,
THAT YOU NEED LIFE INSURANCE,
And will Insure in the
During 1879,
THIS PAGE MAY PROVE WORTH
More than $100 to You.
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f^^ — -^-^
M(3
K\NAK<"=. K^Y^^'Ci^
E5TlRBRnnK^5
;Steel PEMf
WORKS, CAMDEN, N. J.
i-^^
ForsalEbyA"-dem.er^
SMPLESANDBElcEsoKjpEUCiTl*
FRANK LESLIE'S
Sunday Magazine
CONDUCTED BY
CHARLES FORCE DEEMS, D. D.
Pastor of the Church of the Strangers.
The Sunday Magazine aims to supply pure and healthy reading, not only for Sunday, but for
every day of the week. It contains more reading matter, and is more profusely illustrated, than any
other similar periodical published in Europe or America ; and no effort or expense will be spared by
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The number for January, which will be issued early in December, commences the Fifth Semi-
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Remit by Money-order, Registered Letter, or Draft on New- York, payable to
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53, 55 and 57 Park Place, New- York.
^Ir-h-
I
^"^
m^>~ -^^M
ST^TEJyiENT,
EAGLE FIRE INSURANCE CO.
OF NEW-YORK,
No. 71 WALL STREET.
Cash Capital Paid $300,000 . 00
Reserve for Re-insurance 45)2 11 .25
Reserve for Unpaid Losses and Dividends i i>39i - 24
Net Surplus 517,688.48
Total Assets, July i, 1878 $874,290.97
DIRECTORS:
Robert Ray, W. B. Asten, Jno. A. Livingston,
Robert Lenox Kennedy, Henry Mey^, Lloyd Aspinwall,
William H. Guion, Josiah B. Blossom, A. J.. Clinton,
James A.Roosevelt, Frederic W.Stevens,- James H.Jones,
Augustus F. Holly.
.S^
This Company insures acceptable risks on the MOST FAVOR-
ABLE TERMS, adjusts its losses LIBERALLY,
and pays them PROMPTLY.
T. J. GAINES, Secretary. » 1 /->i imt/^m „
WM. BURNS, Ags't Secretary. A. J. ULIINIUlN, President.
Fourteenth Annual Statement
HOF THE ~W A
OFFMAN LIRE
INSURANCE COMPANY.
Office, No. 130 Broad\vay, New-York.
JANUARY 1st, 1878.
Cash Capital $200,000.00
ASSETS.
Cash on hand and in Banks $14,413.43
Bonds and Mortgages 171,493.00
Call Loans 4,050.00
U. S. Registered and Coupon Bonds 115,837.50
Bank Stocks ' 35,600.00
New-York Central & Hudson R. R. Co's Stocks 21,300.00
Interest due and accrued 4,535.39
Premiums in course of collection 10,115.95
LIABILITIES.
Losses unpaid $7,780.18
Re-Insurance Reserve 70,672.90
Other Liabilities 636. 18
Capital 200,000.00
Net Surplus . 98,256.01
$»77,»45.S7
M. F. HODGES, Pres. SAMUEL M. CRAFT, Vice-Pres. JOHN D. MACINTYRE, Sec'y.
T
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! t
The
INSURANCE COMPANY.
Risks Well Scattered. Lines Small.
Dangerous Localities Avoided.
Losses Equitably and Promptly Settled.
Office, 155 & 157 Broadway,
NATHAN HARPER, EDWARD MERRITT,
Secretary. President.
STAR FIRE
INSURANCE COMPANY,
141 Broadway, New-York.
Casli Assets, July ist, 1878 $602,074.55
Capital $300,000.00
Reserve for Re-insurance 107,851.20
Losses and all other claims 32,201.45
Net Surplus 162,021.90 $602,074.55
NICHOLAS C. MIllER, Pres. JOHN R. SMITH, Vice-Pres. JAS. M. HODGES, Sec.
DIRECTORS.
Levi Apgar President North River Bank.
Alex. Bonnell 104 West Street.
Martin Y. Bunn M. Y. Bunn & Co.
J AS. Flanagan Flanagan & Wallace.
Allan Hay Allan Hay Mfg. Co.
Wm. W. Owens .553 Fifth Avenue.
John F. Pupke Pupke & Reid
J as. S. Barron J. S. Barron & Co.
Zachariah Jaques 259 West 23d Street.
Ebenezer Beadleston. .Pres. Stuyvesant SafeDep.Co.
Charles Denison 225 W. 14th Street.
D. B. Moses Sine: Sing, N. Y.
Jas. H. Holdane 88 Washington Street.
Jos. W. Martin 79 Front Street.
Edgar Pinchot 214 Fulton Street, t John C. Tucker 34 West 50th Street.
Chas. B. Richard C. B. Richard & Boas.
Chas. Spear 85 West Street.
H. K. Thurber H. K. & F. B. Thurber & Co
E. T. Tefft Tefft, Griswold & Co.
Jas. Wallace 68 & 70 Madison Street.
R. Cornell White 116 South Street.
John R. Flanagan Flanagan & Bright.
Elbert Bailey 26 East 127th Street.
Jas. G. Powers Jas. G. Powers & Co.
JAs. C. GuLicK 168 East 71st Street.
John Claflin H. B. Claflin & Co.
J. Fisher Satterthwaite 10 Pine Street.
E. H. Ammidown . Ammidown, Lane & Co.
John R. Smith 141 Broadway.
xk Nicholas C. Miller 141 Broadway, „
• . . . ... .^^'^^ii^ , ' " .' ' '
PURELY MUTUAL.
THE
DIVIDENDS ANNUALLY.
NEW-YORK LIFE INSURANCE CO.
THIRTY-FOXJE YEARS' BUSIITESS BXPEHIEITCE.
184,000 Policies issued; Policies in force, over 46,000; Payments to Policy-holders, 146,000,000.
ANNUAL INCOME, OVER CASH ASSETS. OVER
17,500,000 137,000,000
Surplus, N. Y. State Standard, over $6,000,000.
ACE. STRENGTH. CAREFUL MANACEMENT.
THE COMPANY'S HOME OFFICE, 346 and 348 Broadway, New-York.
THE NEW-YORK LIFE INSURANCE COMPANY has been doing business for thirty-four years, and now offers to
those desiring life insurance a Combination of Advantages which only long experience, a large and
well-established business, and carefully perfected plans and methods can afford. Among these advantages are:
(1) The absolute Security of its Policies. (2) Insurance at Low Cost. (3) Liberal and Equitable Dealing.
The large amount of Assets now held by the Company, its large Surplus over and above all liabilities,
the large Number of Policies in force, and the constant acceptance of new risks on carefully selected lives
in the most healthful portions of North America and Europe, and the great experience of its Officers
and managers, render it one of the strongest, most prosperous, and most trustworthy companies in the world.
Having always been a purely mutual Company, policy-holders receive their insurance at actual current cost,
and its age, strength, prosperity and economical management combine to reduce that cost to the minimum. The
Company is conducted in the interests of policy-holders alone. In the decision of questions involving their rights,
the invariable rule is to consider, not the technical legality of the claim alone, but its real justice.
The non-forfeiture system of policies originated with this Company in 1860, and has since been adopted—
though sometimes in questionable forms— by all other companies. This feature saves millions Of
dollars every year to policy-holders in this country, and for this they are indebted
to the NEW-YORK LIFE. The system as now perfected by the NEW-YORK LIFE secures safety to the
Company (without which all interests are jeopardized), and justice to the insured.
MORRIS FRANKLIN, President.
THEODORE M. BANTA, Cashier.
WILLIAM H. BEERS, Vice-Pres. & Actuary,
CHARLES WRIGHT, M. D
I
D. O'DELL, Sup't of Agrencies.
flBr-Tirfemii^^
HENRY TUCK, M. D.
Medical Examiners.
'■^f^
W-YORK
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MUNMS
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FARRAGUT FIRE
INSURANCE COMPANY
OF THE CITY OF NEW-YORK,
No. 346 Broadway.
BRANCH OFFICES:
No. 184 Broadway, New-York; No. 81 Broadway, Brooklyn, E. D.
Statement, January i, 1879.
Cash Capital $200,000.00
Reserve for Re-insurance 62,364.09
Reserve for Losses 399-73
Reserve for Taxes, Rent, Commissions, &c 6,002.73
Net Surplus 161,067.78
$429,834.33
INVESTED AS FOLLOWS:
I United States Bonds (Registered) $273,781.25
Bank Stock 9.300.00
Bonds and Mortgages 25,500.00
Temporary Loans 59,500.00
Real Estate 43,020.96
Cash on hand and in Bank 9,058.29
Unpaid Premiums 7)909- 10
Interest accrued and rents 1,764.73
$429,834-33
JOHN M. FURMAN, President.
JOHN E. LEFFINGWELL, Vice-Pres't. SAMUEL DARBEE, Sec'y.
CHARLES A. BOGUE, Ass't Sec'y.
DIRECTORS
JOHN M. FURMAN President.
E. E. EAMES H. B. Claflin & Co.
PHILO (.'. CALHOUN . . . .Pres't Fourth Nat'l Bank.
WM. H. BEERS Vice- Pres' t N. Y. Life Ins. Co.
N. D. MORGAN Brooklyn.
CHARLES WRIGHT, M. D....N. Y. Life Ins. Co.
SEYMOUR L. HUSTED, Pres. Dime .Sav.B'k.B'klyn.
ECKFORD WEBB, late of Webb, McLaughlin & Co.
JAMES L. BOGERT New- York.
CHARLES A. DENNY. . .late of Denny, Poor & Co.
WM. WATSON Wm. Watson & Co.
MARCUS F. HODGES.. President Hoffman Ins. Co.
W. F. SHIRLEY New-York.
A. H. GODWIN Patenson, N. J.
JAS. M. DUNBAR James L. Litde & Co.
S. S. FISHER Manufacturer.
GEORGE H. JONES New- York.
SAMUEL COOPER 7 Pine Street.
STEW'TL. WOODFORD.. Arnoux.Ritch&Woodford.
EVERETT CLAPP New- York.
JOHN E. LEFFINGWELL, Vice-President.
=^~^|t-«*
*
^
*
-(M-
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CAMIll
FIRE INSURANCE COMPANY
Of the City of Nev^-York.
Office, 166 Broadway
(CHARTERED IN 1852.)
Casli Capital $200,000.00
Re-insurance Reserve, June 30, 1879 24,619.75
Unpaid Losses and other Liabilities, June 30, 1879, 1,826.35
Net Surplus, June 30, 1879 38,280.34
Total Assets, " " $264,726.44
WM. A. ANDERSON, President.
C. W. PARMELEE, Sacretary.
DIRECTORS.
Wm. A. Anderson,
Wm. A. Thomson,
Isaac N. Phelps,
Satn'l Colgate,
William Barton,
A. R. Van Nest,
F, Lawrence,
J. B. Rumrill,
Czar Dunning,
James M. Jones,
Joseph Slag2,
W. W. Phalps,
George B. Greer,
James Stokes, Jr.,
Elward Smith,
Chas. B. Colton,
Harman Blauvelt,
Henry Van Schaick,
O. G. Walbridge,
L. Bayard Smith,
W. O. Woodford,
Elbert A. Brinckerhofif,
Lester A. Roberts,
Alfred J. Taylor,
John C. Hoyt,
C. W. Parmelee,
Alexander Rumrill,
Mathias Aalholm.
-^~^!e-€^
<M-
This Company has been in successful operation twenty-seven years, and has paid all its losses,
including those of the great conflagrations of Troy, Portland, Chicago and Boston, promptly, and
in full, and continues to insure against Loss or Damage by Fire on reasonable terms. Y
-»-4 ^~*-« T^
CHRISTIAN UNION.
HENRY WARD BEECHER, )
LYMAN ABBOTT, | Editors.
"The C'HKiSTtAN Union is as careful to gratify the seasonable wants of its readers as the best
of the monthly periodicals." — Syracuse Journal.
t
1879-80.
EVERY-DAY PROBLEMS, by Joseph Cook.
HINTS FOR HOME READING,
By Edward Everett Hale, M. F. SweetseR, Edward Eggleston,
Fred. B. Perkins, Joseph Cook.
COOKERY FOR THE MILLION,
By Juliet Corson, of the New- York Cooking School.
IN THE SICK ROOM, by Miss E. R. Scovil, of Massachusetts General Hospital.
HOME TALKS, by Mrs. Henry Ward Beecher.
A Powerful Serial Story:
"UNTO THE THIRD AND FOURTH GENERATION."
By Helen Campbell.
TEN MINUTE SERMONS TO CHILDREN,
BY
J. G. Merrill, Frank Beard, B. T. Vincent, W. W. Newton,
W. F. Crafts, Jas. M. Ludlow, and others.
JUVENILE STORIES
From the best writers, including
Frank R. Stockton, Hope Ledyard, Mrs. E. C. Gibson,
E. Huntington Miller, Hamilton W. Mabie, Louise Stockton,
Eleanor Kirk, Susan Coolidge, Sarah J. Prichard,
Eliot McCormick, Lucretia P. Hale.
BOOK REVIEWS, by specialists in their several departments.
PLYMOUTH PULPIT,
A Sermon or Lecture-Room Talk each week, by the Rev. Henry Ward Beecher.
SUNDAY-SCHOOL PAPERS,
By the Rev. Lyman Abbott and Mrs. W. F. Crafts.
"THE OUTLOOK," "SCIENCE AND AET," "NEWS OF THE CHURCHES," "PACT AND EUMOE,"
Give concisely the news of each week.
TERMS: Per Annum, $3.00. To Clergymen, $2.50. Four Months, $1.00.
ADDRESS, THE CHRISTIAN UNION, 27 Park Place, New-York.
BOSTON OFFICE: CHICAGO OFFICE:
SHUMWAY & CO., 21 Bromfield St. Room 99, Ashland Block.
-M)-
^~*-«£^
■ih^
The Independent
The Independent appeals to cultivated men and women. It discusses current questions of
religion, philosophy and politics. It is wide-awake. It is not afraid. It sets people to thinking. It
welcomes fresh truth. It has more special departments than any other newspaper. It publishes more
religious discussions than the religious reviews, more poetry and stories than the popular monthlies,
and gives more information than an annual cyclopaedia. It has a larger corps of the most famous
writers than any other journal of any sort in the country. It makes strong friends of those who read it.
Try it for next year.
We have purchased the newspaper copyright of the Boston Monday Lectures for 1879-1880, to
be delivered, as heretofore, by the Rev. Joseph Cook, and the same will be given verbatim to
the readers of The Independent weekly, together with the Preludes, after revision by the author.
lWm% LECTURES AND PUBLIC ADDRESSES, BY EMINENT CLERGYMEN
In all parts of the Country, "will continue to be printed.
Among the distinguished writers and contributors to The Independent for the past year are
the following :
John Greenleaf Whittier,
R. H. Stoddard,
Samuel T. Spear, D.D.,
Hon. James A. Garfield, M.C..
R. W.Dale, D.D.,
Elliott Coues, M.D.,
A. S. Packard, Jr., M.D.,
Thomas Meehan,
Prof. C. A. Young-,
Prof. F. A. March, LL.D.,
Rev. Wm. M. Baker,
Philip Schaff, D.D.,
C. S. Robinson, D.D.,
T. W. Higginson,
Pres. W. W. Patton,
Jean Ingelow,
Rev. Thomas K. Beecher,
Pres. T.D.Woolsey.D.D., LL.D., Edward Everett Hale,
Rev. George F. Pentecost,
Pres. J. F. Hurst, D.D.,
James J. Jarves,
'' Susan Coolidge,"
James Freeman Clarke, D.D.,
Pres. Noah Porter, D.D., LL.D.,
R. S. Storrs, D.D., LL.D.,
Theodore L. Cuyier, D.D.,
Rev. Joseph Cook,
Louisa M. Alcott,
Pres. S. C. Bartlett, D.D., LL.D., B. P. Shillaber,
Prof. George P. Fisher, D.D,, Rose Terry Cook,
Bishop Gilbert Haven, Prof. Timothy Dwight, D.D.,
Elizabeth Stuart Phelps, Prof. John Trowbridge,
Bishop A. C. Coxe, D.D., LL.D., "Grace Greenwood,"
Prof. A. P. Peabody, D.D., LL.D., Ray Palmer, D.D.,
William M. Taylor, D.D., J. Hammond Trumbull, LL.D.
Louise Chandler Moulton, Neal Dow,
Rev. Washington Gladden, J. J. Piatt,
" Gail Hamilton," Rebecca Harding Davis,
Rev. David Swing, J. T. Trowbridge,
Celia Thaxter,
Rev. Henry C. Trumbull,
Jane G Swissheim,
Mary Clemmer,
Edward Abbott,
A. Bronson Alcott,
Hon. J. L. M. Curry, D.D.,
Pres. John Bascom,
Louisa Bushnell,
Pres. J ames F. Tuttle,
Miss Frances E. Willard,
Paul H. Hayne,
C. P. Cranch,
E. M. Hunt, M.D.,
Chan. Howard Crosby, D.D.,
F. B. Sanborn,
Henry James, Jr.,
Rev. S.W. DuHield.
Sarah O. Jewett,
Mrs. Laura Sanford,
Mrs. C. H. Dall,
Horace V.. Scudder,
Joaquin Miller,
Prof. C. M. Mead,
J. Boyle O'Reilly,
Margaret J. Preston,
George C. Lorimer, D.D.,
Mrs. S. M. B. Piatt,
Rachel Fomeroy,
Hiram Rich,
Ella Farnam,
Prof. W. G. Sumner,
Alfred B. Street,
Thos. Dunn EngIish,M.D.,LL.D.,
James Grant Wilson,
Prof. W. C. Wilkinson,
Geo. Duffield, D.D.,
Prof. L. H. Atwater, D.D.,LL.D.,
Prof. John T. Duffield, D.D.,
Prof. A. H. Sayce,
Prof. E. D. Morris. D.D.,
Rev. David Macrae,
Prof. Wm. P. Blake,
J. M. Buckley, D D.,
Prof. Simon Newcomb, LL.D.,
Prof Asa Gray, LL.D.,
Prof. John A. Paine,
Daniel Curry, D.D.,
Rev. Newman Hall,
Sidney Lanier,
Pres. George, Washburn, D.D.,
H. W. Bellows, D.D.,
Prof Norman Fox.
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The Independent is spoken of as follows :
l*r©si«leiit Hayes says : " I send my hearty congratulations on the good fortune which permits
you to celebrate the thirtieth anniversary of your paper."
Hon. Jolm Nheraia,!!, Secretary of the Treasury: "I believe it has been faithfully
employed in advancing the common good of our people."
Rig'lit Rev. A.. C C!oxe, 1>. 1>., Bishop of Western New-York, says : "I read it, not because I
find it a mirror of my own mind, but precisely for the opposite reason."
IT IS ONE OF THE MOST VALUABLE ADVERTISING MEDIUMS IN THE COUNTRY,
As its subscribers are generally intelligent, "well-to-do people.
New Terms for 1880.
One subscription one year, in advance $3.00
One subscription two years, in advance S.OO
One subscription with one NEW subscriber, both in advance, in one remittance S.OO
One subscription with two NEW subscribers, all three in advance, in one remittance 7.00
One subscription with three new subscribers, all four in advance, in one remittance $B>.«»0
One subscription with four NEW subscribers, all five in advance, in one remittance lO.OO
Any number over five at the same rate, invariably with one remittance.
Specimen copies sent free, on application, to any address.
Address THE INDEPENDENT,
No. 251 Broadway. If. O. Box 3 7 8 7,
Ne-w-York City.
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The New- York Tribune.
THK Tribune is conceded by eminent men in this country and Europe to be " The lead-
ing American newspaper." It is now spending more labor and money than ever
before to deserve that pre-eminence. It securerl, and means to retain it, by becominor the
medium of the best thought and the voice of the best conscience of the time, by keeping al^reast
of t/ie higliest prop'ess, favoring tlie freest discussion, hearing all sides, ap})ealing always to the
best intelligence and the purest morality, and refusing to cater to the tastes of the vile or the pre-
judices of tlie ignorant.
Premiums for 1 879-'80.— Extraordinary Offers.
The Tribune has always dealt liberally with its friends who have used their time and influ-
ence in extending its circulation, but it now announces a Premium List surpassing in liberality
any heretofore offered by any newspaper. We take pleasure in calling attention to the following :
THE LIBRARY OF UNIVERSAL KNOWLEDGE,
Being the last (1879) edition of Chambers's Encyclop/EDIA, a Dictionary of Universal Knowl-
edge for the People, complete and Unabiidj^ed, with large additions upon topics of special inter-
est to American readers, in twenty volumes, the first fourteen comprising the exact and entire
text of Chambers's Encyclopaedia, omitting only the cuts, and the last six containing several
thousand topics not found in the original work, besides additional treatment of many there pre-
sented. This portion is designed to meet the special wants of American readers, supplying the
natural deficiencies of the English work.
The twenty volumes will actually contain oroer \z per cent, more matter tJian Appletons Cyclo-
pedia^ which sells at eighty dollars !
Two of the volumes are now ready for delivery, the third is in press and will be ready in a
few days, and then they will be issued at the rale of two volumes per mouth until the entire
twenty volumes are completed, which will be about August or September, 1880. jj
We ofTer this valuable work on the following terms : »
For $12.— THE LIBRARY OF UNIVERSAL KNOWLEDGE, 20 vols., substantially bound in cloth, and
The Wekkly Tribune 5 years 1 1 one subscriber.
For $18.— THE LIBRARY OF UNIVERSAL KNOWLEDGE, 20 vols., as above, and the The Semi-
Weekly Tribune 5 years.
For $18.— THE LIBRARY OF UNIVERSAL KNOWLEDGE, 20 vols, as above, and ten copies of The
Weekly Tribune, one year.
For $27. -THE LIBRARY OF UNIVERSAL KNOWLEDGE, 20 vols., as above, and twenty copies of the
Weekly Tkibune, one year.
For $26.— THE LIBRARY OF UNIVERSAL KNOWLEDGE, 20 vols., as above, and the Daily Tribune
two years.
The books will in all cases be sont by mail, express or otherwise as the subscriber may direct, at his expense, but
with no charge for parking. We shall be ;in sendir.ij tliem i 1 the order ii which subscriptiors have been received on
the 1st of January, 1880, when certainly five and probably six volumes will be ready, and shall send thenceforw.ird, as
sub.scnbe; s ma.- direct.
A MAGNIFICENT GIFT!
Worcester's Great Unabridged Dictionary Free!
THE NKW-YORK TRICUXE will s;n,-!, at subscnber's expens; for freight, or de'ivcT in New-York City free,
Worcester's Gre.at Unabridged Quarto Illustrated Diciionary, bound in sheep, edition of 1879, the very latest
and very best edition of that great work, to any one remitting:
fl O f 'r a; ingle five-years' subscription in advance, or five one-year subscriptions to THE WEEKLY, or,
I 5 for a sing'e five-yenrs' subscription ii adva:.ce, or five one-year subscriptions to THE SEMI-WEEKLY, or,
one year's subscription to THE DAILY, or,
$30 for a single three-years' subscription in advance to THE DAILY TRIBUNE.
For one dollar extra the Dictionary can be sent by mail to any part of the United States.
Terms of the Tribune, without Premiums.
POSTAGE FREE IN THE UNITED STXTES.
DAILY TRIBUNE, 1 year $10 00
SEMI- WEEKLY TRIBUNE. 1 year. ... 3.00
Five copies, 1 year, each 2.50
Ten copies, 1 year, each 2.00
And ono free copy for every ten subscribers.
THE WEEKLY TRIBUNE :
Single copy, 1 year $2.00
Five copies, 1 year, eaci 1.50
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And oae free copy for every ten subscribers.
When the fact is considered that The Weekly Tribune, both in the quantity and the quality of its reading mat-
ter, is the equal of any, and the superior of most of th^ %->, and $4 literary and rcliiious papers, and that The Semi-
Weekly contains twice as much reading matter every week as The Weekly, this reducuon in price is one of the
most notable instances of journalistic enterprise.
Remittances should be made by D:aft on New- York, Post-office Order, or in Registered Letter. Address,
THE TRIBUNE, New-York.
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^^-^¥r-^i—
*
The World for 1880
democrats everywhere should inform themselves carefully alike of the action of their party
throughout the country and of the movements of their Republican opponents. A failure to do this in
1876 contributed greatly to the loss by the Democracy of the fruits of the victory fairly won at the polls.
The year ISSO promises to be one of the most interecting and important years of this crowded
and eventful century. It will witness a Presidential election which m.iy result in reestablishing the
Government of this country on the principles of its constitutional founders, or in permanently changing
the relations of the States to the Federal power. No intelligent man can regard such an election with
indifference. Tlic ^Voi'Itl, as the only daily English newspaper published in the city of New- York
which upholds the doctrines of constitutional Democracy, will steadily represent the Democratic party
in this great canvass. It will do this in no spirit of servile partisanship, but temperately and firmly.
As a newspaper Tlie "IVorld, being the organ of no man, no clique, and no interest, will present
the fullest and the fairest picture it can make of each day's passing history in the city, the State, the
country, and the World. It will aim hereafter, as heretofore, at accuracy first of all things in all that it
publishes. No man, however humble, shall ever be permitted truly to complain that he has been
unjustly dealt with in the columns of 'JTlie "%Vorl«l. No interest, however powerful, shall ever be
permitted truly to boast that it can silence the fair criticism of Xlac Wovld.
During the past year Xlac "^Vorld has seen its daily circulation trebled and its weekly circula-
tion pushed far beyond that of any other weekly newspaper in the country. This great increase has
been won, as The ^IVorl«l believes, by truthfulness, enterprise, ceaseless activity in collecting news
and unfaltering loyalty to itself and to its readers in dealing with the questions of the day. It is our
hope and it will be our endeavor that Xlie ^IVorlcl's record for i38o may be written in the appro-
bation and the support of many thousands more of new readers in all parts of this Indissoluble Union
of Indestructible States.
Our Rates of Subscription remain unchanged, and are as follows :
Daily and Sundays, one year, $10.00 ; six months,
$5.50; three mor.lhs, $2.75.
D.MLY, wilhcat Sundays, one year, $8.00; six months,
$4.25 ; three months, $2.25 ; less than three months, $1.00
a month.
The Sunday World, one year, $2.00.
The Monday Wor.LD, containing the Book Reviews
and "College Chroric'.e," one year, $1.50,
The Semi-Weekly World (Tuesdays and Fridays) —
Two Dollars a year. To Club Agents — An extra copy
for c'ub often ; the Daily for club of twcnty-fivc.
The Weekly World (Wednesday) One Dollar a year.
To Club Agents — An extra copy for club of ten, the
Semi- Weekly for club of twenty, the Daily for club of fifty.
Speci.-ncn numbers sent free on application.
Terms — Cash, invariably in advance.
Send pcst-ofTice money order, bank draft, or registered
letter. Bills at risk of the sender.
Address, " THE WOELD," 35 Park Row, N. Y.
A^ SPECIAL OFFER.
Subscribers who send $i.oo for a year's subscription before December 28, will receive Tlie
"%V<^«Iily "^Vorltl from the date of their subscripticn to March. 5, 1881. This will include
the presidential campaign and the inauguration of the next President.
Old subscribers who send $1.00 before December 28, for a renewal of their subscription for 1880,
will receive Xlie ^Vceltly \Vorld. to March 5, 1881, without missing a number.
THIS OFFER WILL BE WITHDRAWN DECEMBER 29.
Take Advantage of it at once. Subscribe at once. Renew at once.
NOTE TO NEWSPAPER PUBLISHERS.— Proprietors of Democratic newspapers who
desire the Daily Woi*l<l for one year may obtain it by publishing the foregoing prospectus six
times and sending to TIk; ^Vorld. marked copies of their papers containing it. We offer low
" clubbing rates " to Democratic newspapers throughout the country.
^
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Strong Editorials,
Lively Letters,
Spurgeon 's Sermons,
Spicy Stories,
A Little of EverytMng
that is. Good for
'^ Everybody.
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1819. "BETTER THAN EVER BEFORE!" isso.
The Watchman.
SIXTY-FIRST YEAR.
EIGHT PAGES FULL OF GOOD THINGS,
INCLUDING EACH WEEK :
Sunday-School Lessons,
Latest News,
Book Reviews,
Market Reports.
Try
THE WATCHMAN
This Year.
THE AVATCHMAN,
A consolidation of the "Watchman and Reflector" and the "Christian Era,"
is, with a single exception,
THE OLDEST JOURNAL OF ITS KIND IN THE WORLD.
ALWAYS GOOD, AND NOW BETTER THAN EVER.
It is a Complete Family Newspaper.
It advocates, in an earnest and liberal spirit, CHRISTIAN MORALS AND
REFORM, and a NEW TESTAMENT CHRISTIANITY.
t
IT IS UNSURPASSED, IF EQUALLED, IN THE AMOUNT AND QUALITY OF ITS READING MATTER.
Terms:— $3.00 a Year^ in Advance. To 3Iinlsters, $2.00 a Tear.
Postage free. Sample copies .sent free.
Address all communications simply
Thomas L. Ror.KRS, Business Manager.
THE AVATCHMAN,
Boston, Mass.
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HH-
Wx6 ^ttUAmt
For 1880.
A RELIGIOUS, LITERARY & FAMILY NEWSPAPER.
Established i860.
NATIONAL, INDEPENDENT AND FRATERNAL
TWO DOLLARS A YEAR;
Postage 20 cts. additional.
The Methodist is now in its 20th year of publication, and is a first-class
Religious and Family Newspaper. It is published weekly, each issue containing
twenty pages. It is one of the BEST, and CHEAPEST of the Methodist WEEKLIES.
DAVID H. WHEELER, D. D., Editor,
Assisted by an able staff of Contributors. Among its special attractions are Editorials
on current and religious topics, brilliant and timely Editorial Paragraphs, a weekly
Sermon, Stories for Children, the best Exposition of the weekly Sunday-school Lesson,
a Serial story, a Department of Church news from all sections of the country. Young
Men's Christian Associations, Temperance Notes, excellent Contributed Articles on
various themes, and the choicest of selections, etc., etc.
Canvassers wanted Everywhere, to whom the most liberal Cash Com-
missions will be allowed. For particulars send for Circular.
As an advertising medium for business men, few papers of the same circulation
can compare with The Methodist, as it reaches every part of the country, and finds
its way into every State and Territory of the United States. Its rates are most liberal,
as will be seen from the subjoined schedule :
♦K)-
ADVERTISING RATES OF THE METHODIST.
rates per agate line. 14 lines to inch.
One insertion 25 cents.
Two or more insertions (each time) 20 "
Thirteen " " " 18 "
Twenty-six " " 15 "
Fifty-two " " 10 "
Address all communications to
H. W. DOUGLAS, Publisher,
15 Murray Street, New York.
4-4 *3-*-g* 9-*-
THE GREENWICH
INSURANCE COMPANY,
151 Broadway, New-York.
84th Semi- Annual Statement of Assets.
(This Company has been uninterruptedly in Business -44. Years, having
Connmeneed Business January 1, 183S.)
JANUARY 1, 1879.
United States Registered Government Bonds (market value) — $426,175.00
Loans on Bonds and Mortgages, being first liens on improved real
estate in the City of New- York (the estimated value of same
being $1 75,000) 62,451.00 ^
?! Real EstSite, being five first-class brown-stone apartment dwelling- ^
houses (unincumbered) situated in the City of New- York 50,000X0
Bank Stock (market value) 20,000.00
First Mortgage Railroad Bonds, guaranteed by the New I-Iaven
Railroad Company (market value) 11,000.00
Loans on Call (market value of Securities, $83,053.12) 54,200.00
Cash in Bank and Office 28,866.20
Interest Due and Accrued (not included in "market value") — 675.00
Premiums Due 12,407.26
$665,774.46
CASH CAPITAL. $200,000.00
Outstanding Liabilities (including unpaid losses) 11,132.42
Reserve for Reinsurance 110,340.94
Net Surplus 344,301.10
$665,774.46
SURPLUS as regards Policy-Holders $454,643.04
MASON A. STONE, SAMUEL C. HARRIOT,
Secretary. President.
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THE NliW-YORK ALMANAC
FO
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^1550^
EDITED BY JAMES M. HUDNUT,
NEW- YORK:
Francis Hart & Company, 63 and 65 Murray Strket,
CoRNKU Col, I. ICdK Pi. ACK.
^y-
IijUc;r<;<l, .KAoniin).' to Ai.tof f:on^,'rcss, in tile yc.ir 187CJ, Ipy l''l<ANi:iS IlAKT A Co., in llic Ollicc <if tin; J.il.r:iri.iii of Coiifir
;il W.ishinjjton.
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THE NEW-YORK ALMANAC,
Astronomical Phenomena, etc., 1880.
By Berlin H. Wright, Esq., Penn Yan, N. Y.
lintered, according to Act of Congress, in the yeari879, by Berlin H. Wright, in the Office of the Librarian of Congress at Washingto
Eclipses.
There will be six Eclipses this year, four of the
Sun and two of the Moon, as follows :
1. A Total Eclipse of the Sun, January ii ;
visible west of the Mississippi River as a partial
Eclipse about sunset. The line of totality passes
through Southern California, where the Sun will
set totally eclipsed.
2. A Total Eclipse of the Moon, June 22,
invisible in the Eastern States.
3. An Annular Eclipse of the Sun, July 7,
invisible in North America.
4. A Partial Eclipse of the Sun, December i,
visible only about the South Pole.
5. A Total Eclipse of the Moon, December 16,
invisible.
6. A Partial Eclipse of the Sun, December 31.
In the eastern part of the United States, the Sun
will rise more or less eclipsed. At New-York
City, tlie middle of the eclipse occurs at sunrise,
and the eclipse ends at 8h. 44m., morning.
Morning Stars.
Mercury, until Feb. 14, and from March 28 to
June 2 ; August 5 to Sept. 17, and after Nov. 23.
Venus, until July 13.
Mars, after October 25.
Jupiter, from March 15 to July 9.
Saturn, from April 8 to July 20.
Uranus, from September i to December 5.
Neptune, from May i to August 6.
Evening Stars.
Mercury, from February 14 to March 28 ; June
2 to August 5 ; and from Sept. 17 to Nov. 23.
Venus, after July 13.
Mars, until October 25.
Jupiter, until March 15, and after July 9.
Saturn, until April 8, and after July 20.
Uranus, until September i, and after Dec. 5.
Neptune, until May i, and after August 6.
Chronological Cycles, etc.
Dominical Letters D. C.
Epact 18
Solar Cycle 13
Golden Number 19
Roman Indiction 8
Jewish Lunar Cycle 16
Dionysian Period 209
Julian Period 6593
Year of Mohammed, beginning Dec. 4 1298
Year of the World (Usher) 5884
Year of the World (Jews) 5640-41
Year of the World (Septuagint) 7388-89
Year A. U. C. (of Rome) 2632
Year of Olympiad 2656
Year of Nabonassor 2627
Year A. L. (Masonic) 5880
Movatle Festivals.
Septuagesima Sunday January 25
Se.xagesmia Sunday February i
Quinquagesima Sunday February 8
Ash Wednesday February 11
Quadragesima Sunday February 15
Mid-Lent Sunday February 29
Palm Sunday March 21
Good Friday March 26
Easter Sunday March 28
Low Sunday April 4
Rogation Sunday May 2
Ascension Day May 6
Whit Sunday May 16
Trinity Sunday May 23
Corpus Christi May 27
Advent Sunday November 28
The Pour Seasons.
Winter begins, 1879, Dec. 21st, 11 H. 30 M. Eve.,
and lasts 89 D. o H. 55 M.
Spring begins, 1880, March 20th, o H. 25 M. Mo.,
and lasts 92 D. 20 H. 9 M.
.Summer begins, 1880, June 20th, 8 h. 34 M. Eve.,
and lasts 93 D. 14 H. 31 M.
Autumn begins, 1880, Sept. 22d, 11 h. 5 m. Mo.,
and lasts 89 D. 18 H. 19 M.
Winter begins, 1880, Dec. 21st, 5 n. 24 M. Mo.,
Tropical year, 365 D. 5 H. 54 M.
Planets Brightest.
Mercury, March 7, July 3 and November i,
setting then after the Sun ; also, April 29, August
25 and December 16, rising then before the Sun.
Venus and Mars, not this year. Jupiter, October
7. Saturn, October 18. Uranus, February 25.
Neptune, November 4.
T
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THE NE-W-YORK ALMANAC.
The Century Calendar/
I
2
3
4
5
6
0
I
2
3
L
4
5
6
7
L
8
9
10
II
L
12
13
■ +
15
L
16
17
i8
iq
L
20
21
22
23
L
24
25
26
27
L
28
29
30
31
L
3'-2
33
34
35
L
Sf'
37
3a
39
L
40
41
42
43
L
44
45
46
47
L
48
49
50
51
L
52
53
54
55
L
5b
57
S8
59
L
60
61
62
63
L
64
65
60
67
L
68
60
70
71
L
72
73
74
75
L
75
77
7«
79
L
80
81
82
S3
L
84
«5
86
B7
L
88
89
90
91
L
92
93
94
95
L
95
97
98
99
00
o January ... 3
February . .
March
April
May
June
July
August ....
September.
October . . .
November,
December .
Sunday. . . .
Monday. . .
Tuesday. . .
Wednesday
Thursday. .
Friday ....
Saturday . .
* This Calendar was kindly furnished us for the Almanac by
the Author, E. M. ROBBINS, Esq., of this City.
To find what day of the week any date in this
century falls on. Find the year in the table, it
being understood that " i " stands for 1801, " 2 "
for 1802, etc. To the number over the year add
the day of the month and the number set oppo-
site the month on the right ; divide the sum thus
obtained by seven, and the remainder will be the
day of the week, as numbered above. For leap-
years, use the figure over the " L " on the left of
the year for January and February, and the one
over the year for the remaining months.
Example : On what day did the 4th of July
fall last year ? Over 79 we find o, to this add 4,
the day of the month in question, and 2 which
we find opposite July ; dividing 6 by 7 we have
a remainder of six, which shows that the 4th of
July, 1879, came on Friday.
For the i8th century after 1752, find the day for
the corresponding year in this century and add
two days.
Calendar Explanations. '
In the columns of Moon's rising and setting,
the time of only one of these events is given for
each day — that one which occurs while the Sun
is down. When the word "rises" is found in
the column, the Moon is at the full, and the fig-
ures following that word are P. M., or evening,
until the word "morn " which means midnight.
From "morn" the figures are A. M., the Moon
rising in the morning before the Sun is up. Then
after the word "sets," the time of setting is
given, which grows later and later, from early
evening until early morning, until the Moon
again is at the full.
To get the correct time, use a meridian line
and set your time-piece by the time given under
" Sun at noon mark." The times of Sun's rising
and setting are exact only where the Earth's
surface is level.
The Zodiac and its Signs.
Spring Signs.
'p Aries.
Taurus.
Gemini.
Summer Signs.
4. o Cancer.
5. Sj. Leo.
6. m Virgo.
Autumn Signs.
7. === Libra.
8. Ill Scorpio.
9. t Sagittarius.
Winter Signs.
10. ¥3 Capricornus.
11. ^ Aquarius.
12. K Pisces.
The Zodiac is an imaginary belt in the heavens,
sixteen or eighteen degrees broad, in the middle
of which is the ecliptic or Sun's path. The stars
in this belt comprise the twelve constellations,
being separable into that number of groups.
The groups were given by the ancients the names
they now bear, on account of real or fancied
resemblances. They are called the Signs of the
Zodiac. As the Moon can only be seen from the
earth when it is opposite the Sun, its position
with respect to the Zodiac is practically the same
as the earth's. The ancients supposed this posi-
tion at the time of a person's birth, to have an
influence on his character and destiny. They
connected the different Signs of the Zodiac with
different parts of the body as above.
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THE NEW-YORK ALMANAC,
WiiBN one sees iiu'ii die and leave delicate
women and heljiless children to fight
against the ills of poverty, when they might
have left them a comiietence by means of life
insurance, is it any wonder he is tempted to con-
sider (hem sellish ! We are not blameless when
\vi> fail to use all honorable means in our ])0wer
to prevent calamities so terrible. So truly and
literally are the sins of omission as well as of
commission, of which the fathers are guilty, vis-
ited upon the cliildren.
C"-^OLERIDGK was acknowledged to be a bad
^ rider. One day, riding through a street, he
was accosted by a would-be wit : " I say, do you
know what happened to Halaam ? " The answer
came, sharp and quick : " The same as hapjiened
to me — an ass spoke to him."
DKii AMINO is not thinking. The world is full
of dreamers. A few men do most of iis
thinking. Thinking is manufacturing. It is tak-
ing mental tools and hammering, and filing, and
molding, and shaping, until ideas have grown
into fully developed realities of the brain, with
dimensions and clearly marked outlines. Tlie
reason there are not more thinkers is because
thinking is work ; it wears away tissue and mus-
cle. It is tiresome. It requires tim<; and pur-
pose. Men can dream while they sleep ; to work
they must be awake. Dreaming is tearing awa\'
the flood-gates and allowing the flood to pour
through. If anything remains, it is only drift-
wood diat may chance to hang on the way.
Minds fill with drift-wood l)eeause they are not
thinking. Thinking is measuring chances, weigh-
ing principles, watching the operation of law.
First Mouth.
JANUARY:- 1880.
Thirty-one Days
%l
"
13
13
14
14
w
15
16
17
18
;i
19
J9
20
20
21
21
23
22
23
23
24
24
%
25
20
•7
23
27
28
29
29
30
30
31
3»
Thur
Fri
Sat
Mom
Tiics
Wed
'I'luir
iMi
S:it
.a
Moil
Tiics
Wed
Tluir
Kri
Sat
«>
Moil
Tiios
Wed
Tliiir
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
i.ii'u insukance
1*henomi;na
FOR Till! MOST lIl-AI.Tll-
I'ln. I'OR iioNS 01-
TIIH ll.NiriiD STATH.S,
rm- Dominion ov Canada,
GRUAr Hritain and
IRI LAND,
I'RANCE AND HlLLCHIM.
CALliNDAR FOR L y^A i vThm ADIM P„
BOSTON. N i-w liNia.AND "^^.y-^" .y- ! "\';,;^';^v-™-
N. Y. S rATi-^ ivii<mii(;an, !,,5:,<^''^.'^,'V.,!i'^^,i ' ; ^,]:Z^
Wisconsin, Iowa, ' 1 Jlil■!^'"•^ . 1 '■Nn^vlvania,
and orucon.
Sun Sun Moon
Rises Sets. Rises
During- the month
of January, 1879,
the New- York Life
Insurance Compa-
ny paid 69 death-
claims on the lives
of 55 persons.
The whole amount
paid was $249,-
735. 52, an averag-e
of over $4500 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$87,404.23, an av-
eragre of a little
less than $1600
per family. The
grain to the fami-
lies of the deceased
was, therefore,
$162,331.29, an
averaf^-e of over
$2900 each. For
each $100 paid to
the Companv, they
received $285.72.
II. M. H.M.
7 30 4 38
7 30 4 39
7 30,4 40
7 30 4 41
7 30 4 42
7 29 4 43
7 29 4 44
7 29 U 45
7 29)4 46
7 29 14 47
7 2914 48
7 28 1 4 50
7 28 4 51
" 4 52
S3
7 28
7 27
7 27 4 54
4 55
4 56
58
59
MOON'S PHASES.
Last Quarter,
New Moon,
First Quarter,
Full Moon,
BOSTON.
II. M.
2 5 Morning.
5 56 Evening.
1 56 Morning.
S 28 Morning.
7 26
7 20
7 25
7 24
7 24
7 23
7 22
7 22
7 21
7 20
7 19
7 18
7 17
7 16
7 15 5 13
II. M.
858
10 I
11 II
morn
21
1 34
2 49
4 4
518
6 19
7 II
sets
7 16
8 26
9 34
1038
II 32
morn
45
1 44
2 44
3 42
4 36
5 25
6 7
H. W.
Boston
Sun Sun Moon H.W.
Rises Sets. Rises N.Y.
II, M.
2 7
247
3 29
4 16
I '
0 10
7 19
839
9 37
1039
n 32
morn
23
1 8
1 51
2 31
3 12
3 55
4 42
5 33
628
7 26
8 26
9 20
10 10
M. M. II.IVI.
7 25 1 4 43
7 25,4 44
72514 45
7 25 4 46
rises 1 10 57
5 42 1 II 39
6 49 ev. 18
7 54
9 3
10 12
59
138
2 17
7
7
7
7
7
7
7
7
7 23
7 23
7 22
7 22
7 21
7 21
7 21
4 47
4 48
4 49
4 50
24i4 51
24,4 52
24 |4 S3
23 i 4 54
23 4 55
23 1 4 56
22:4 57
2214 59
5 o
5 I
5 2
5 3
S 4
5 5
5 7
5
7
7
7
7
7 ,_
7 i6'S 9
7
7
7
7
7
7
H. M.
859
ID I
II 10
morn
19
I 31
244
3 59
5 11
6 13
7 5
sets
7 19
8 28
9 34
10 37
[I 29
morn
42
1 40
2 39
3 36
4 30
5 19
6 I
rises
5 45
651
7 55
9 2
10 ID
II. M.
1049
II 29
ev. 14
1 3
' 55
2 56
4 4
5 14
6 23
7 24
8 14
9 8
9 54
10 35
11 15
II 57
morn
41
1 29
2 19
3 14
4 II
5 II
6 6
656
7 40
8 21
9 4
9 45
10 ^^3
Calendar for
WaSHINGPON, MARY-
LAND, VlKCINIA, .
KUNTUCKV, MISSOURI, J^
AND CALH-ORNIA. '
— *
Sun Sun Moon Moon a
Rises Sets Rises. South. ^J
II. M.
9 I
10 2
n
9
morn
16
I 27
239
3 53
6 7
7 o
sets
7 21
8 29
9 34
10 36
11 27
morn
38
I 35
234
3 S''
4 23
5 13
556
rises
548
6 52
7 55
19] 9 2
2ol 10 9
H. M.
2 52
3 37
4 22
5 8
556
64S
7 44
844
948
1052
II 54
<:v.53
1 46
2 35
3 21
4 S
4 49
5 33
617
7 3
7 51
841
9 32
10 22
11 12
morn
1 35
2 20
3 6
NEW-YORK.
53 Morning.
44 Evening.
44 Morning.
16 Morning.
WASHINGTON.
I 44 Morning.
5 32 Evening.
I 32 Morning.
5 4 Morning.
Charleston.
H. M.
I 2g Morning.
5 20 Evening.
I 20 Morning.
4 52 Morning.
-<«~^-<£4>-
■iV-*~
♦-ffi-
^3>-*-£4
-©-^
THE NEW-YORK ALMANAC,
Y
T
Hon. JOHN SHERMAN, of Ohio.
JOHN SHERMAN was Ixjrn at Lancaster, O., May loth, 1823. He received
an acadeinic education, studied law, and was admitted to the bar in 1844.
He was first elected to Congress in 1854. He served three successive terms in
the House, and was elected for a fourth, but before Congress met he was
chosen United States Senator. He was the Republican candidate for Speaker
of the House of Representatives during the memorable contest in 1859, and
was, with Thaddeus Stevens, joint author of the reconstruction measures of
1866-67. He was re-elected to the Senate in 1866, and again in 1872, and
was, for several years previous to his retirement from the Senate, Chairman of
the Committee on Finance. Upon the inauguration of President Hayes in 1877,
Mr. Sherman was made Secretary of the Treasury, which position he now holds.
Under his administration of the finances specie payments were resumed January
I3t, 1879, after a suspension of nearly seventeen years, and all the bonds of the
United States now redeemable have been paid off with the proceeds of bonds
bearing a lower rate of interest.
ii
-K)-
-S-^!^-<^
-^^
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-^)^-^l^'^
THE NEW-YORK ALMANAC,
IT is a high, solemn, almost awful thought for
every individual man, that his earthly influ-
ence, which has a commencement, will never,
through all ages, have an end ! The life of
every man is as the well-spring of a stream,
whose small beginnings are indeed plain to all,
but whose course and destination, as it winds
through the expanses of infinite years, only the
Omniscient can discern. — Carlvle.
"M
EN underrate the danger of an evil that has
been often escaped. An evil is not neces-
sarily unreal because it hath often been feared
without just cause. The wolf does sometimes
enter in and make havoc with the flock, though
there have been many false alarms. The conse-
quence of feeling too secure and not being pre-
pared may be most disastrous when the emer-
gency does arise. The existence of the power
to meet the emergency is not the less important
because the occasions for the exercise of it may
be very few. If any one should be so wearied
with the monotonous "All 's well " of the nightly
guardians of a camp, hour after hour and night
after night, as to conclude that their service was
superfluous, and, accordingly, to dismiss them,
how much real danger, and how much unnec-
essary apprehension, would be the result." —
Archbishop IVhately.
THE Lancet warns parents and others against
boxing children's ears. A blow on the ear
has not only ruptured the drum, but caused
inflammation of the internal cavity of the ear,
which, years after, terminated in abscess of the
brain.
Second Month.
FebruarYvi88o.
Tiventy-tiine Days.
y. >•
1
Y,
•A
s
^
n.
X
o
>
>;
<
u
Q
I
JS
2
Mon
^
Tues
4
Wed
s
Thur
6
Fri
7
Sat
8
S
9
Mon
lo
Tues 1
11
Wed j
12
Thur
I^
Fri
14
Sat
IS
:S
16
Mon j
17
Tues [
18
Wed
iq
Thur!
20
Fri
21
Sat
22
s.
2^
Mon
24
Tues
2S
Wed
26
Thur
-"
Fri i
23
Sat
29
S
l.IFIi INSURANCE
Phenomena
FOlt THH MOST HIIALTH-
I'UL HORIIONS OI'-
THE UNrn-D States,
THE Dominion 01- Canada,
Great Britain and
Ireland,
France and Belgium.
Calendar for
Boston, New England
N. Y. Stat E, Michigan,
Wisconsin, Iowa,
and Oregon.
Dtiring' the month
of February, 1879
the New- York Life
Insurance Compa-
ny paid 51 death-
claims on the lives
of 45 persons.
The whole amount
paid was $128,-
6 5 9. 00, an averagre
of over $2800 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$62,129.01, anav-
erag-e of a little
less than $1400
per family. The
gain to the fami-
es of the deceased
was, therefore,
$66,529.99, an
averag-e of over
$1400 each. For
each $100 paid to
the Company, they
received $207.08.
Sun Sun Moon H. W.
Rises Sets. Rises Boston
I 7 14
7 13
II 7 12
II 7 II
il 7 10
i| 7 9
7 8
■|7 6
7 S
7 4
7 2
H.M.
5 14
7
'
7
0
6
M
6
S7
6
S6
6
54
6
5S
6
.S2
f)
SO
6
48
6
47
b
4S
6
44
0
42
6
41
6
39
6
3»
[6
37
H. M.
II 22
mom
35
I 50
3 2
4 6
5 2
546
6 23
sets
7 13
8 19
9 30
10 27
11 31
mom
32
1 30
2 26
318
4 1
441
516
5 45
rises
6 50
8 o
9 'I
10 25
H. M.
3 I
3 5°
4 49
5 54
7 7
8 20
9 28
10 25
11 IS
II 56
morn
37
1 16
156
2 35
Calendar for
N. Y. Cm V, PHILADELPH.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
7
7
7
7 2
7 I
7 o
6 58
6 57
6 56
3 17
4 2 1
4 55t
5 42
651
7 53
8 50
942
1028
11 II
II 51
ev.30
I 12
I 55
6 49
6 48
6 46
6 45
6 44
6 42
6 41
6 39
6 33
6 37
6 36
H.M.
5 18
5 19
5 20
5 21
5 22
5 23
5 25
5 26
5 27
5 28
5 30
5 31
5 32
5 34
5 35
5 56
5 37
5 39
5 40
5 41
5 43
5 44
5 45
5 46
5 4S
5 49
5 50
5 51
5 52
II 19
morn
31
145
2 56
4 o
4 57
5 41
6 19
sets
7 13
8 19
9 28
10 25
11 27
morn
27
1 25
2 20
3 12
356
4 36
5 II
5 42
rises
650
7 59
9 9
10 22
H.M.
II 46
ev.36
1 36
2 40
3 52
4 59
6 14
7 II
7 57
841
923
10 2
1038
11 17
morn
2
49
1 42
2 38
3 40
438
5 35
6 y8
7 13
7 53
834
9 17
958
1037
Calendar for
Washington, Mary-
land, Virginia,
Kentucky, Missouri, jt
AND California. j
-—%
ouii Sun Moon Moon j^
Rises Sets Rises South.Vj
H.M.
7 7
7 6
7 5
7 4
7 3
7 2
7 I
7 o
6 59
6 58
6 57
H.M.
5 21
5 23
5 24
5 25
5 26
5 27
5 28
5 29
5 30
5 32
5 3
6 55 5 34
6 54 5 35
6 S3
6 52
6 51
6 49
6 48
6 47
6 46
6 44
6 43
6 42
6 40
6 38 5 49
6 37 5 51
6 36 5 52
6 3415 53
6 33 [5 54
5 36
5 38
5 39
5 40
5 41
5 42
5 44
5 45
5 46
5 47
5 48
H. M.
II 16
morn
27
1 40
2 50
3 53
4 51
536
6 16
H. M.
3 54
4 44
538
635
7 35
837
9 39
1037
II 32
sets !ev.23
7 14
8 18
9 z6
10 22
22
1 19
2 14
3 5
3 50
4 31
5 7
5 39
1 1 -cs
6 50
7 57
9 6
10 18
156
2 41
325
4 10
4 56
5 41
6 33
7 21
813
9 3
9 53
10 41
11 28
morn
15
I 2
1 SO
2 40
Moon's phases.
Last Quarter,
New Moon,
First Quarter,
Full Moon,
New-York.
H. M.
10 55 Morning.
6 33 Morning.
11 I Evening.
8 38 Evening.
H. M.
10 43 Morning.
6 21 Morning.
10 49 Evening.
8 26 Evening.
Washington.
10 31 Morning.
6 9 Morning.
10 37 Evening.
8 14 Evening.
Charleston.
H. M.
10 19 Morning.
5 57 Morning.
10 25 Evening.
8 2 Evening.
h. m. s.
12 13 49
12 14 27
12 14 16
12 13 i3
-M>-
-^-^|^<£^-
<M-
*3~^ie«g^
THE NE^W-YORK ALMANAC.
Hon. SAMUEL J. TILDEN, of New-YorL
SAMUEL JONES TILDEN was born in New Lebanon, N. Y., February
9th, 1 8 14. He entered Yale College in 1832, where he remained two years,
and then entered the University of New-York. After leaving college he studied
law, and entered upon the practice of it in this city. He was Chairman of the
Democratic State Committee for thirteen years, a member of the Constitutional
Conventions of 1846 and 1867, and served in the Assembly in 1846, and again
in 1872. He took a prominent part in the overthrow of the Tweed ring in
New-York City, and in 1874 was elected Governor of the State. During his
administration as Governor, the corrupt rings that had so long mismanaged
canal affairs were exposed and prosecuted. In 1876 Mr. Tilden was the Demo-
cratic candidate for President, and received one hundred and eighty-four electoral
votes, lacking only one of a majority.
-M)-
-#3-^-<g^
^i"*-
-M>
-^^-^i^-^^
THE NEW-YORK ALMANAC,
<M-
IT is only by labor that thought can be made
healthy, and only by thought that labor can
be made happy.
AN experience now of more than twenty
years of judicial life has taught me that
more than seven-eighths of the crimes commit-
ted in this country which involve personal vio-
lence are traceable to the use of intoxicating
liquors. I speak of crimes which involve per-
sonal violence, such as homicides, affrays, as-
saults and batteries, criminal attempts, wife-
beatings, abuses of families and cjiildren — in
those several classes of cases, I think no one
doubts seven-eighths of them may be traced to
the use of intoxicating liquors, and of all other
classes a very large percentage." — "Judge Noak
Davis.
" "pvo YOU believe in ghosts, Mrs. Partington? "
\J was asked of the old lady, somewhat
timidly. " To be sure I do," replied she. "As
much as I believe that bright fulminary there will
rise in the yeast to-morrow, if we live and nothing
happens. Two apprehensions have sartainly
appeared in our family. Why, I sarw my dear
Paul, a fortnight before he died, with my own
eyes, jest as plain as I see you now ; and it
turned out arterward to be a rose-bush with a
night-cap on it. I shall always think, to the day
of my desolation, that it was a forerunner sent to
me. T' other one came in the night, when we
were asleep, and carried away three candles and
a pint of spirits that we kept in the house for an
embarkation. Believe in ghosts, indeed ! I guess
I do. And he must be a dreadful styptic as
does n't."
Third Month.
March M 880.
Thh-ty-o>ie Days.
-M>
X
h
w
M
>
^
h
>
0
0
a
Q
I
a 1
61
Mon
62
2
Tues
6^
^
Wed
64
4
Thur
6S
=;
Fri
66
6
Sat
67
7
;S
C8
8
Mon
60
9
Tues
70
10
Wed
71
II
Thur
72
12
Fri
73
13
Sat
74
14
S
T>
li
Mon
76
10
Tues
77
17
Wed
78
18
Thur
79
19
Fri
80
20
Sat
81
21
s
82
22
Mon
83
23
Tues
84
24
Wed
8s
25
Thur
86
25
Fri
87
27
Sat
88
2'J
S
8q
29
Mon
qo
^0
Tues
91
31
Wed
l-IFE INSURANCE
Phenomena
for. the most heai.th-
eui, portions ok
THE UNrrED STATES,
THE Dominion of Canada,
Great Britain and
Ireland,
France and Belgium.
During: the month,
of March, 1879,
the New- York Life
InsTiranee Compa-
ny paid 59 death-
claims on the lives
of 51 persons.
The whole amount
paid w^as $156,-
185. 00, an average
of over $3000 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, araounted to
$58,704.70, an av-
erage of a little
less than $1200
per family. The
gain to the fami-
es of the deceased
w^as, therefore,
$97,480.30, an
average of over
$1900 each. For
each $100 paid to
the Company, they
received $266.05.
Calendar for I .^ ^^r^^^^vtf. fn^r ph
BOSTON, NEW ENGLANDl^-y-CllV.PHILADELPH.
M V «T»-rc Mir-UT^AM I CONNECTICUT, NEW
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
. State, Michigan,
Wisconsin, Iowa,
and Oregon.
Sun Sun Moon H. \V.
Rises Sets. Rises Boston
II. IM.
6 36
6 35
6 33
6 31
6 30
6 28
6 26
6 25
6 23
6 21
6 20
6 18
6 16
6 14
6
6
6 9
6 7
6 6
6 4
6 2
6 o
5 59
H.M- H. M.
5 51 II 40
52 morn
13
5 57
5 55
5 53
5 52
5 50
5 4S
S4<5
5 <4
5 59
6 o
6 2
6 3
6 4
6 5
6 6
6 7
6 9
6 10
6 II
6 12
6 13
6 14
6 15
6 17
6 18
6 19
6 20
6 21
6 22
6 23
5 24
53
1 57
2 56
3 44
421
452
5 22
546
sets
8 12
9 15
10 17
11 17
morn
13
I 7
1 45
2 37
3 12
3 43
4 12
438
5 4
rises
8 8
925
10 40
11 51
morn
H. M.
244
3 36
4 39
5 49
7 3
8 12
911
10 2
1050
11 29
mom
6
44
1 23
2 4
2 46
3 31
4 22
5 17
6 19
7 32
8 14
9 16
9 54
1039
II 20
eve 4
49
1 40
2 33
3 30
Sun Sun Aloon H.W.
Rises Sets. Rises N.Y
H. M.
6 35
6 34
6 3=
6 30
6 29
6 27
6 25
50
H.M.
5 53
5 53
5 54
5 55
5 56
5 57
5 53
5 59
6 o
6 I
6 2
6 3
6 4
6 S
6 6
6 8
6 9
6 10
6 II
6 12
6 13
6 14
6 15
6 16
5616 17
54 6 18
52; 6 19
5 51 [6 20
5 49] 6 21
5 47 , 6 22
5 45^6 23
H. M.
II 35
morn
48
1 5'
2 50
3 39
4 17
4 49
5 20
5 45
sets
8 10
9 12
10 i:-
III:?
morn
7
I J
1 39
2 31
3 8
3 40
4 10
4 37
5 4
rises
8 5
9 12
10 ?5
11 45
mom
H.M.
II 26
ev. 22
1 26
2 35
3 49
4 56
5 57
648
734
8 12
851
930
10 9
10 46
11 28
morn
17
1 9
2 3
3 5
4 3
4 53
551
6 40
7 26
8 3
849
9 35
10 25
11 16
ev. 16
Calendar for
Washington, Mary
LAND, Virginia,
Kentucky, Missouri, x
and California.
Sun Sun Moon Moon
Rises Sets Rises. South. f
H. M.
6 33
6 32
6 30
6 29
6 27
6 26
6 24
6 23
6 21
6 20
6 18
6 17
6 IS
6 13
6 12
6 10
H.M. H. M.
5 54 1 II 30
5
5
5
5
5
5
6
6
6
6
6
6
6
6 7
6 8
6 g
6 10
6 II
6 12
6 13
6 14
6 15
6 16
6 17
6 18
6 19
6 19
6 20
6 2T
morn
42
1 45
2 44
3 33
4 13
446
51S
5 45
SJtS
8 7
9 8
10 8
11 7
morn
I
55
1 33
2 26
3 3
3 36
4 7
4 35
5 4
rises
8 I
9 16
10 79
11 39
22! morn
H. M.
3 34
4 30
5 3'^
6 30
731
829
9 23
10 14
11 3
II 49
ev.33
1 18
2 3
2 49
336
425
S 14
•J 4
654
7 43
831
9 18
10 5
10 52
11 40
mom
31
1 25
2 22
Moon's Phases.
d.
Last Quarter,
3
New Mcion,
10
First Quarter,
18
Full Moon,
26
Boston.
H. M.
6 23 Kvening.
8 3 Evening.
7 52 Evening.
8 39 Moming.
New- YORK.
H. M.
6 II Evening.
7 51 Evening.
7 40 Evening.
8 27 Morning.
^3~
Washington.
Charleston.
5 59 Evening.
7 39 Evening.
7 28 Evening.
8 15 Morning.
H. M.
5 47 Evening.
7 27 Evening.
7 16 Evening.
8 3 Morning,
^!t-^
r
-*-(^
-=^"-*-&—
-<M-
THE NE^W-YORK ALMANAC.
i
Hon. THOMAS A. HENDRICKS, of Indiana.
THOMAS ANDREWS HENDRICKS was born in Muskingum County, O.,
September 7th, 18 19. In 1822 his father removed to Shelby County,
Ind. The son was graduated from South Hanover College in 1841 ; studied
law, and was admitted to the bar in 1843. In 1848 he was elected to the
State Legislature; in 1850 he took a prominent part in the State Constitutional
Convention, and the next year entered Congress as Representative from the
Indianapolis district. He served in Congress until 1855, as Commissioner of the
General Land Office of the United States the four years following, and as
United States Senator for six years ending 1869. In 1872 he was chosen
Governor of Indiana for four years. In 1876 he was the Democratic candidate
for Vice-President
-M^
-^"^•<&—
-(>-<►
10
*3»*^<g^
THE NEW-YORK ALMANAC,
<M-
" TTJOOR fellow ! He died in poverty ! " said a
1^ man of a person lately deceased. "That
is n't anything," exclaimed a seedy by-stander.
" Dying in poverty is no hardship. It 's living
in poverty that puts the thumb-screws on a fel-
low." That is the way the case stands with
many. The man who dies poor is not the one to
be pitied ; it is his family who live in poverty after
his death who deserve our commiseration. What
a pity it is that some who neglect to insure their
• lives do not have to bear the stress of poverty
such as is laid upon their families. It might
open their eyes a little. For such men do not
intend to be heartless or cruel. It is natural to
some to postpone or neglect things, the need of
which seems far away. They prepare for other
things when the necessity for them becomes
apparent — why not for death ? But death sends
no notice of his intentions ; he seems to delight
in surprises. When men say, peace and safety
— time enough yet — lo, he is at the door !
A BOSTON woman recently testified that a man
had threatened to take her life, and he was
put under bonds to keep the peace for si.x months.
The woman, evidently thinking this was insuffi-
cient punishment, subsequently married him.
She says revenge is sweet.
THERE are a great many men in this world
who imagine that they are born with genius,
and lie down on the sofa and wait for an inspira-
tion until some other fellow, who thought him-
self a dunce, rises by hard labor lo a compe-
tency, buys the sofa, and leads the waiting
genius out by the ear.
Fourth Month.
April •> 1880.
Thirty Days.
%
H
0
s
^
U.
0
>■
>
<;
<
Q
I
Thur
2
Fri
3
Sat
4
5s
5
Moil
6
Tues
7
Wed
8
Thur
<^
Fri
10
Sat
II
;S
12
Mon
13
Tues
14
Wed
IS
Thur
16
Fri
17
Sat
18
s
ip
Mon
20
Tues
21
Wed
22
Thur
23
Fri
24
Sat
2S
.ia
26
Men
27
Tues
28
Wed
29
Thur
30
Fri
l.IKH INSURANCE
PHENOMENA
FOR THE MOST HEALTH-
FUL PORI tONS OF
the united states,
the domlnion of canada,
Great Britain and
Ireland,
France and Belgium.
During: the month
of April, 1879,
the New- York Life
Insurance Compa-
ny paid 42 death-
claims on the lives
of 34 persons.
The whole amount
paid w^as $104,-
348. 00, an average
of over $3000 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$40,606,30, an av-
erage of a little
less than $1200
per family. The
gain to the fami-
es of the deceased
was, therefore,
$63,741.70, an
averag-e of over
$1800 each. For
each $100 paid to
the Company, they
received $256.9/.
Calendar for
Boston, new England
N.Y. State, MICHIGAN
Wisconsin, Iowa,
and Oregon.
5 3
5 I
5 o
4 58
4 57
Sun
Moon
Sets.
Rises
H.M.
H. M.
625
51
6 27
I 41
6 28
2 23
6 29
254
6 30
3241
631
34a
b32
413'
b33
4 3Cj
634
5 0
6 36
sets
b 37
9 7
6 3S
10 4
6 39
II 0
6 40
II 48
6 4'
morn
6 42
31
b 43
I 9
b 4S
I 42
6 46
2 11
6 47
2 37
6 48
3 3"
6 49
3 28
b 50
335
b SI
rises
6 S2
8 18
b S3
9 34
b ss
1042
6 sb
II 41
b S7
mom
6 5«
22
4 35
5 43
648
7 5"
8 46
9 34
II 35
morn
13
54
I 36
■2 20
3 4
3 52
4 44
5 39
6 37
7 33
8 26
9 16
10 5
1055
11 44
ev3S
1 29
2 26
3 24
4 23
Calendar for
N. Y. Ci 1 V, Philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Rises
H. M
5 44
5 42
5 41
Sun
Moon
Sets.
H.M-
Rises
H. M.
6 24
45
6 26
I 35
e 27
2 18
6 28
249
6 29
3 21
6 30
3 47
b 31
4 13
6 32
4 37
b33
5 2
b34
sets
0 3S
9 3
b 3b
9 59
b 37
1054
b3«
II 42
6 39
morn
6 40
25
b 41
I 4
b 42
I s8
6 43
2 8
b44
2 36
b45
3 2
6 46
3 29
b 47
3 57
6 4S
rises
6 49
814
6 50
929
b 51
10 3C
6 52
II 35
b S3
mom
b55
17
H.M.
I 24
229
3 34
436
Calendar for
Washington, Mary-
land, Virginia, ,
Kentucky, Missouri,^
AND California.
H.M.
5 46
5 44
5 42
5 41
5 31
5 39
6 20
5 37
7 3
5 3b
741
5 34
817
5 33
859
5 31
940
5 3°
10 31
5 28
11 I
5 27
II 49
5 25
mom
5 24
38
5 23
I 31
5 21
2 28
5 20
323
5 18
4 18
5 17
5 II
S lb
b 2
5 14
bsi
s 13
738
5 II
8 26
S 10
9 19
5 9
10 14
5 8
II 9
5 ^\
ev. II
5 5j
I 10
5 4i
H.M
6 23
6 24
6 25
6 26
6 27
6 28
6 29
6 30
6 31
6 32
6 33
b 34
6 35
6 36
6 37
6 38
6 39
6 40
6 41
6 42
642
6 43
6 44
6 45
6 46
6 47
6 48
6 49
6 50
651
Moon
Rises
II. M.
39
1 30
2 14
247
3 19
3 47
4 13
4 39
5 5
sets
857
9 53
10 48
11 36
morn
17
59
1 34
- 5
2 34
3 2
3 29
3 59
nses
8 8
9-3
10 30
11 30
mom
Moon 1
Soutli.ijJ
5 20
6 24
7 20
8 II
859
9 45
10 29
11 13
II 57
ev.43
1 30
2 18
3 7
3 57
4 4b
5 35
6 23
7 9
7 55
841
9 28
10 17
11 JO
mom
7
1 7
2 II
3 1^5
4 17
5 15
Moon's Phases.
BOSTON.
Last Quarter,
New Moon,
First Quarter,
Full Moon,
h. m.
1 29 Morning.
10 23 Morning.
2 30 Evening.
6 6 Evening.
New-York.
H. M.
1 17 Morning.
10 II Morning
2 iS Evening.
5 54 Evening.
Washington.
h. m.
1 s Morning.
9 59 Morning.
2 6 Evening.
5 42 Evening.
Charleston.
h. m.
0 53 Morning.
9 47 Morning.
1 54 Evening.
5 30 Evening.
59 23
57 46
-«-^|t-g#-
<M-
-^h
^^-^•<&^
■<>^
THE KEW-YORK ALMANAC,
11
*
t
Hon. A. G. THURMAN, of Ohio.
ALLEN G. THURMAN was born at Lynchburg, Va., November 13, 1813.
He removed to Ohio in 18 19, where he received an academic education,
studied law, and was admitted to the bar in 1835. He began practice at Columbus.
He was elected a Representative in the Twenty-ninth Congress in 1844. He was
a Judge of the Supreme Court of Ohio in 1851-52, and Chief-Justice for two years,
beginning in 1854. In 1867 he was the Democratic candidate for Governor of
Ohio, and in 1868 was elected United States Senator, succeeding Hon. Benjamin
F. Wade. He was re-elected to the Senate in 1874, and was prominent among
the candidates for the Democratic nomination for President in 1876.
M)-
-^3>-^!^-^^
-i^-^
-M)-
^~^!^<£*
-(M-
THE NEW-YORK ALMANAC
THE owners of a manufacturing establish-
ment, having paid out considerable money
first and last for insurance against loss by fire,
finally thought they would insure themselves; so
they formed a fire nsurance company. For cap-
ital stock they pledged their shares in the manu-
facturing establishment. It was worth in the
market all they pledged it for — what could be
safer ! Then they insured their mills and their
machinery, paid the same amount of premiums
as before, but now the premiums went into their
own pockets. The directors were delighted ;
they had insured themselves, and were making
money by it. But one night the mills and all
their contents were burned, and it did not require
any long arguments to convince the directors the
ne.xt morning, that the same fire that destroyed the
property that was insured, had destroyed the insur-
ance company also. Such is the fate that awaits
every man who insures his own life, by failing
to have it insured in a responsible company — a
company that one death will not ruin. Yet
how many are doing this very thing !
AFFECTION can withstand very severe storms
of rigor, but not a long polar frost of down-
riglit indifference. Love will subsist on wonder-
fully little hope, but not altogether without it.
THIS is a boy's composition on girls : " Girls
are the only folks that has their own way
every time. Girls is of several thousand kind,
and sometimes one girl can be like several thou-
sand girls if she wants to do anything. This is
all I know about girls, and father says the less I
know about them the better off I am."
Fifth Month.
May M 880.
Tkiyty-oiie Days.
a"
z
0
>
<
0
0
>•
D
c
122
I
123
2
124
3
125
4
126
S
127
6
128
7
129
8
130
9
131
10
I3Z
II
133
12
134
13
135
14
13b
15
M7
16
I3«
17
139
18
140
19
141
20
142
21
143
22
144
23
145
24
146
25
147
2b
148
27
149
28
150
29
151
30
IS2
3^
l.iFK Insurance
Phenomena
for the most health-
ful portions of
THE UNrrED STATES,
the dominion of canada,
Great Britain and
Ireland,
France and Belgium.
Sat
;S
Moil
Tues
Wed
Thur
Fri
Sat
;S
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
M'ed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
During the month
of May, 1879,
the Ne-wr-York Life
Insurance Compa-
ny paid 41 death-
claims on the lives
of 38 persons.
The whole amount
paid w^as $80,-
636.00,an average
of over $2100 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$29,381.72, an av-
erage of a little
less than $800
per family. The
gain to the fami-
lies of the deceased
•was, therefore,
$51,254.28, an
average of over
$1300 each. For
each $100 paid to
the Company, they
received $274.44.
Calendar for
Boston, new England
N. Y. State, Michigan,
Wisconsin, Iowa,
AND Oregon.
I Calendar for
,N. Y. Cn Y, philadelph.
Connecticut, New
Jersey, Pennsylvania,
j Ohio, Indiana AND
Illinois.
Rises
h. m.
4 56
4 54
4 53
4 52
4 51
4 49
448
4 47
4 46
4 44
4 43
HM.
7 o
7 I
7 2
7 3
7 4
7 5
7 6
7 7
7 8
7 9
7 10
4 42 7 II
4 41 7 12
4 4c 7 13
4 3917 I*
4 3817 IS
4 37i7 16
4 36
4 35
4 34
4 33
4 32
4 31
4 31
4 27
4 26
7 17
718
7 19
7 20
7 21
7 22
7 23
7 24
7 25
7 26
7 27
7 28
7 28
7 29
H. M.
56
I 26
1 53
2 15
2 40
3 5
331
4 I
sets
852
9 43
10 29
11 8
II 41
morn
12
38
I 4
I 28
1 S3
2 21
2 54
3 36
rises
9 24
10 15
1056
11 28
II 56
morn
20
5 24
6 22
7 19
8 II
859
9 44
10 27
11 9
II 49
mom
30
I 14
156
■2 40
3 24
4 9
4 59
5 52
646
7 43
841
9 37
1034
II 30
ev 23
1 21
2 16
3 7
358
4 52
5 45
Moon H. W. \ Sun
Rises I Boston [Rises
H. M. H.M.
4 59 6 56
4 58 6 57
56
Sun
Sets.
4 48
4 47
4 46
4 45
44
43
42
41
40
39
39
38
37
36
36
35
34
34
33
4 32
4 32
7 17
7 18
7 19
7 20
7 20
7 21
7 22
7 23
7 23
7 24
Calendar for
Washington, Mary-
land, Virginia,
Kentucky, Missouri,
AND California.
Sun
Moon
Sets
H.M-
Rises.
11. M.
6 52
49
(553
I 21
0 54
I 50
bss
215
6 St)
2 42
bS7
3 >o
6 58
338
«> 59
4 9
7 0
sets
7 I
840
7 2
931
7 2
10 17
7 3
1058
7 4
II 33
7 5
morn
7 6
S
7 7
33
7 8
I 2
7 9
I ?8
7 10
1 56
7 10
227
7 Ji
3 2
7 12
3 46
7 13
nses
7 14
913
7 14
10 5
7 15
1048
7 lb
11 22
7 17
II 53
7 17
mom
7 18
19 '
657
yir
9 55
1040
II 26
ev. 13
I 2
1 52
2 41
3 io
4 17
5 3
548
6 33
7 18
8 5
854
948
1047
II so
morn
55
4 5:'
5 41
6 26
Moon's Phases.
Ijast Quarter,
New Moon.
First Quarter,
Full Moon,
Last Quarter,
H. M.
9 9 Morning.
1 32 Morning.
5 39 Morning.
I 55 Morning.
6 9 Evening.
New-York.
Washington.
57 Morning.
20 Morning.
27 Morning.
43 Morning.
57 Evening.
8 45 Morning.
I 8 Morning.
5 15 Morning.
I 31 Morning.
5 45 Evening.
Charleston.
H. M.
8 33 Morning.
0 56 Morning.
5 3 Morning.
1 19 Morning.
5 33 Evening.
d.
h.
M.
s.
I
56
54
9
50
IS
17
56
13
25
56
46
31
57
31
-^k-^
iy-*-
-*-<h
^
^-^■^
THE NEVST-YORK ALMANAC.
-(M-
13
*
^
Hon. JAMES G. BLAINE, of Maine.
JAMES GILLESPIE BLAINE was born in Washington County, Pa., January
31, 1830. He studied at Washington College, Pa., arid after graduation,
went to Maine, where he edited the "Portland Advertiser" and the "Kennebec
Journal." He was a member of the Maine Legislature from 1859 to 1862, serving
as Speaker of the lower house during the last two years. He was elected to Con-
gress in 1862, and was re-elected six times. He was three times elected Speaker
of the House of Representatives. While serving in the House of Representatives
he was appointed United States Senator to fill the vacancy caused by the resigna-
tion of Mr. Morrill. He was afterward elected for the unexpired term and for the
term following, which will expire in 1883. In 1876 he was prominent among the
candidates for the Republican nomination for President.
-^-ih
-^-'^l^r-'^k-
-(M-
-M>
14
-^-^{^■^^
THE NEW-YORK ALMANAC,
-O-^
THE man who insures young pays a lower rate
of premium than the man who waits. He
runs less risk of being rejected on a medical
examination. If predisposed to a disease that
has not yet shown itself, the Medical Examiner
may give him a timely warning that he will never
cease to be grateful for. He gets a policy well
on toward being self-supporting before his family
expenses become large. The fact that he is
insured will commend him to any woman of sense
as a man who is unselfish and prudent, and who
seeks the happiness of others as well as his own.
As no one will ever be younger than he nozv is,
the sooner men insure the better, whatever their
age. And the argument is even more imperative
for those who have families already. Delay,
neglect — these are the rocks upon which so
many ships, freighted with precious cargoes, go
down,
time.
Now is the time, and there is no other
The future we are not sure of.
IN a rural district of Forfarshire, a young plow-
man once went a-courting on Saturday night.
In vain he racked his brain for some interesting
topic; he could call up no subject at all suitable
for the occasion — not one sentence could he
utter, and for two long hours he sat on in silent
despair. The girl herself was equally silent ; she
no doubt remembered the teaching of the old
Scotch song, " Men maun be the first to speak,"
and she sat patiently regarding him with demure
surprise. At last John suddenly exclaimed:
"Jenny, there is a feather on yer apron! " "I
wudna ha'e wondered if there had been twa,"
replied Jenny, "for I've been sittin' aside a
goose a' nicht."
Six//i Month.
June-:- 1880.
Thirty Dayi
ci
P
0
"
S
t
>
>•
C
Q
153
I
154
2
ISS
3
156
4
IS7
5
15S
6
I =19
7
I bo
8
161
9
162
lo
16^
II
164
12
i6s
n
16O
14
167
IS
108
16
i6q
17
170
18
171
19
172
20
173
21
174
22
175
23
176
24
177
2i
.78
26
T7P
27
180
28
181
29
182
30
Tues
Wed
Thur
Fri
Sat
S>
Mon
Tues
Wed
Thur
Fri
Sat
.5s
Mon
Tues
Wed
Thur
Fri
1'
Mon I
Tues
Wed
Thui-
Fri j
S_at
Mon j
Tues I
Wed
lifk insurance
Phenomena
for the .most health-
ful portions ok
THE UNrrHD States,
the dominion of canada,
Gkeat Britain and
Ireland,
France and Belgium.
During: the month
of June, 1879,
the New- York Life
Insurance Compa-
ny paid 45 death-
claims on the lives
of 35 persons.
The ^srhole amount
paid was $119,-
953.00,an average
of over $3400 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$54,836,01, an av-
erage of a little
less than $1600
per family. The
gain to the fami-
lies of the deceased
■was, therefore,
$65,116.99, an
average of over
$1800 each. For
each $100 paid to
the Company, they
received $218.74.
Calendar for
Boston, New England:
N.Y. State, Michigan,
Wisconsin, Iowa,
and Oregon.
Rises
H. M.
4
4
4 23
4 23
4 23
4 23
4 22
4 22
4 22 1
4 22
4 22
4 22
4
4
4
4 23
4 23
4
! 4 23
4 23
4 24;
4 24i
j 4 2.}
I 4 25
4 25
4 26
Sun
Moon
Sets.
Rises
H.M.
H.M.
7 30
44
7 30
I 8
7 31
I 34
7 32
2 4
,7 32
235
7 33
3 13
7 33
3 57
7 3^
sets
7 35
9 «
73b
9 43
7 3f>
10 15
i7 37
10 42
7 37
II 6
'73B
II 31
73S
II 55
[7 3«
mom
7 39
20
7 39
50
7 39
I 26
7 40
2 11
7 40
3 a
7 40
rises
7 40
847
7 40
9 26
7 41
95a
7 41
10 24
7 41
1049
7 40
n 12
7 40
II 39
740
morn
6 38
7 32
823
9 II
953
1045
SI
1 33
2 14
2 54
3 35
4 21
5 II
6 7
7 7
8 12
9 16
10 21
11 18
ev.13
I C
156
243
328
4 15
5 2
5 55
Calendar for
N. Y. Ci rv, Philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
S
Rises
Sun
Moon
Sets.
Rises
H.M.
H. M.
7 24
45
7 25
I 10
7 26
I 37
7 2D
2 8
7 27
240
728
3 19
7 28
4 3
7 29
sets
7 3°
9 3
7 3°
938
7 31
10 11
731
1039
7 32
II 5
7 32
II 30
7 32
II 50
7.33
morn
17 33
23
7 33
54
7 34
I 30
7 34
2 16
7 34
3 14
7 34
rises
7 34
843
7 35
9 22
7 35
9 55
7 35
1023
7 35
1049
7 35
II 14
7 35
II 41
7 35
mom
H.M.
3 24
4 17
5 8
5 57
644
7 29
8 II
854
9 37
10 18
10 56
11 38
morn
1 57
2 53
3 52
456
6 3
7 7
8 I
859
952
1038
II 25
ev. 13
I o
I 49
241
Calendar for
Washington, marv-
lanu, Virginia, .
Kentucky, Missouri, x
AND California. ^
4 36
4 36
4 36
4 35
4 35
4 35
4 34
4 34
4
34
34
34
34
34
34
34
34
3^
34
34
4 34
4 34
4 35
4 35
4 35
4 35
4 36
4 36
4 37
4 37
4 37
Sun
Moon
Sets
H.M.
Rises
H. M.
7 19
45
7 19
I 12
7 ?o
I 40
7 21
2 12
7 21
245
7 22
324
7 23
4 9
7 23
sets
7 24
857
7 24
9 34
7 25
10 8
7 25
1037
7 26
II 3
7 26
II 30
7 26
11 56
7 27
morn
7 27
25
7 28
57
728
I 35
7 20
2 22
7 28
3 20
7 28
nscs
7 29
838
7 29
919
7 29
9 53
7 29
TO 22
7 29
10 50
7 29
II 15
7 29
II -14
7 29,
mom
7 10
7 54
838
9 23
10 10
1058
11 48
ev.38
1 27
2 15
3 1
316
429
5 13
558
64s
7 35
8 29
929
033
II 38
morn
43
1 44
2 41
3 33
4 21
5 7
5 51
636
Moon's phases.
D.
New Moon,
7
First Quarter,
15
Full Moon,
22
Last Quarter,
29
Boston.
H. M.
5 II Evening
S 7 Evening
9 2 Morning
4 13 Morning
New- York.
H. M.
4 59 Evening.
4 55 Evening.
8 50 Morning.
4 I Morninij.
Washington.
Charleston.
H. M.
4 47 Evening.
4 43 Evening.
3 38 IMorning.
4 49 Morning.
h. m.
4 35 Evening.
4 31 Evening.
8 26 Morning,
4 37 Morning.
D.
I
9
17
25
-M^
-^■^-^^-
<)-^
->-()-
^!^-^^~^
-<>^
THE NEW-YORK ALMANAC
15
*
Hon. GEORGE B. McCLELLAN, of New Jersey.
GEORGE BRINTON McCLELLAN was born in Philadelphia, December 3, 1S26.
He was graduated from the University of Pennsylvania in 1842, and from West Point
in 1846. He served in the Mexican war, winning two brevets for gallant conduct. After
the war he was stationed at West Point until 1S51; was engaged in various engineering
operations till 1855, when he was sent to Europe to observe the operations of the armies at
Sebastopol. In 1857 he resigned his commission in the army and became chief-engineer
and vice-president of the Illinois Central Railroad. At the outbreak of the civil war, in 1861,
he assisted in the organization of Ohio troops, and in May was appointed a major-general,
and sent against the Confederates in West Virginia, whom he defeated and drove from the
state, receiving therefor the thanks of Congress. After the battle of Bull Run, General
McClellan was called to Washington, where, after holding important department commands
under General Scott, he was, upon the retirement of the latter, made commander-in-chief
of the armies of the United States. He conducted the Peninsular campaign against Rich-
mond in 1862, and after Pope's defeat at Manassas, was again placed in command of all the
troops about Washington. September 14th and 17th he defeated the Confederates at South
Mountain and Antietam. November 7th he was relieved from command. In 1864, he was
the Democratic Candidate for President. In 1877 was elected Governor of New Jersey.
-*-<>■
-^-^|t-<^
-<M-
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IG
->3-^<£^
THE NEW-YORK ALMANAC.
<M-
THERE never was a time when it was more
necessary than now to administer cautions,
to stimulate conscience, and to insist that right
methods and perfect rectitude in business are far
more important to the individual, and far better
for society, than success by unscrupulous, or even
questionable, methods can be. — Western Chris-
tian Advocate.
IF there be fuel prepared, it is hard to tell
whence the spark shall come that shall set it
on fire. — Francis Bacon.
The family without a fortune secure, and with-
out life insurance, is "fuel prepared," and the
conflagration is the death of the husband and
father. Whence sliall come the spark to light it
up is unknown, but Bacon's evident meaning is
there is great danger it will come from some-
where— probably from an unexpected quarter.
It is difficult to convince men who are in good
health that there is any danger — hardly a possi-
bility— of their dying for many years to come.
But experience shows that such men do die, and
that those who make provision for such a contin-
gency are wise. Life insurance limits the evil
that death can do, and enables men to provide
for the maintenance of their families in spite of
its ravages.
DOMESTIC gardening for the ladies : Make
your bed in the morning, sew buttons on
your husband's shirt, do not rake any grievance,
protect the young and tender branches of the
family, plant a smile of good temper on your face,
carefully root out all angry feelings, and expect
a good crop of happiness.
Seventh Month.
JULYv 1880.
Tliirty-oiie Days.
Hi
<
i-
z
0
i
Life Insurance
Phenomena
for the most health-
Calendar for
Boston, New England
Calendar for Cai fndar for
N.Y.ClTY.PHILAnELPH.Il WASHmGlSS mTrV
.CONNECTICUT NEW t ^ ^^fZ^^^^^Omtr
0
0
0
FUL PORTIONS OF
THE United States,
THE DOMINION OF CANADA,
Wisconsin, Iowa,
and Oregon.
Ohio, Indiana and
Illinois.
KENTUCKY, Missouri,
AND CALIFORNIA.
<
Q
>
^
Ireland,
Sun
Sun
H. W.
Sun
Sun
H.W.
Sun
Sun
Moon
D
Q
Rises
Sets.
H.M.
Rises
Boston
Rises
Sets.
H.M.
Rises
N.Y.
Rises
Sets
H.M.
Rises
South.
H. M.
H. M.
H.M.
H. M.
H. M.
H.M.
H.M.
H. M.
H. M.
18,
I
Thur
During the montli
4 26
7 40
17
649
4 32
7 3S
20
3 35
4 38
7 29
24
721
184
2
Frl
of July, 1879,
4 26
7 40
3b
7 47
4 32
7 35
41
432
4 3^
7 29
45
8 7
i»5
.3
Sat
the New- York Life
4 27
7 40
I 14
842
4 33
7 34
I 19
5 27
4 39
7 29
I 24
8 SS
186
4
.Ss
Insurance Compa-
4 28
7 40
I 54
9 33
4 33
7 34
2 0
619
4 39
7 28
2 6
9 44
187
5
Mon
ny paid 52 death-
4 29
7 3Q
2 43
10 22
4 34
7 34
249
7 8 ,
4 40
728
255
1034
188
6
Tues
claims on the lives
4 29
7 39
336
II 7
4 35
7 34
342
7 49 '
4 41
728
348
II 24
189
7
Wed
of 43 persons.
4 30
7 39
sets
II 48
4 35
7 33
sets
831
4 41
7 28
sets
ev. 12
190
8
Thur
The whole amount
4 30
7 38
8 16
morn
4 36
7 33
813
9 14
4 42
7 27
8 q
59
191
q
Fri
paid was $191,-
4 31
738
846
27
4 37
7 33
»43
952
4 42
7 27
8 40
I 44
192
10
Sat
858.00, an average
4 32
7 3«
9 12
I 6
4 37
7 32
9 10
10 29
4 43
7 27
9 8
2 29
IQS
II
.s
of over $4400 to
4 33
7 37
936
I 45
4 38
7 32
936
11 6
4 44
7 26
9 35
3 12
194
12
Mon
each family. The
4 33
7 37
9 59
2 23
4 39
7 31
10 0
II 48 |4 44
7 26
10 0
3S6
IPS
n
Tues
premiums paid on
4 34
7 3t.
10 2S
3 3
4 39
7 31
10 26
morn 4 45
7 2t)
1028
4 41
196
14
Wed
these policies, less
4 35
7 36
10 51
3 47
4 40
7 30
1054
33
446
7 2,5
10 57
5 28
197
IS
Thur
the dividends re-
4 36
7 3S
II 23
4 37 '
4 41
7 30
II 27
I 24
4 46
7 24
11 31
6 19
198
16
Fri
turned by the Com-
14 37
7 34
morn
=;3'?|
4 42
7 29
morn
2 21
4 47
7 24
mom
7 15
199
17
Sat
pany, amounted to
4 37
7 34
3
643!
4 43
7 29
8
329
4 48
723
13
8 IS
200
18
:S
$78,449. 12, an av-
4 38
7 33
I 8
7 55
4 44
728
1 3
440
4 49
7 23
I 3
9 18
201
iq
Mon
erage of a little
4 39
7 32
I 53
9 6'
4 44
7 27
I 59
5 51
4 50
7 22
2 5
10 22
202
20
Tues
less than $1900
!4 40
7 31
3 3
10 10
4 45
7 26
3 9
6 56
4 51
7 21
.3 14
II 25
■20-^
21
Wed
per family. The
4 41
7 30
nses
II 8
4 46
7 26
rises
7 50
4 52
7 21
nses
mom
204
22
Thur
gain to the fami-
4 42
7 30
7 34
II 57
4 47
7 2S
7 51
8 42
4 52
7 20
748
24
205
23
Fri
lies of the deceased
4 43
7 29
823
ev45
448
7 24
8 21
931 14 S3
7 19
8 20
I 19
206
24
Sat
w^as, therefore.
4 44
7 28
850
I 28
4 4«
7 23
8 so
10 13 1 4 54
7 18
840
2 10
207
25
.s
$113,408.88, an
4 45
7 27
9 16
211
4 49
7 2^
917
10 53 . 4 55
7 18
9 18
2 58
208
26
Mon
average of over
4 46
7 26
941
253
4 SO
7 22
9 43
II 37 4 56
7 17
9 45
3 45
209
27
Tues
$2600 each. For
4 47
7 2S
10 7
336
4 51
7 21
10 II
ev.22 i| 4 57
7 lb
10 14
4 30
2IO
28
Wed
each $100 paid to
4 48
7 24
1038
4 24
4 52
7 20
ID 42
I II '4 58
7 15
10 46
S16
211
29
Thur
the Company, they
4 49
7 23
II 13
5i5
4 53
7 19
II 18
2 2 4 58
7 14
II 23
6 3
212
30
Fri
received $244.56.
, 4 50
7 22
" 53
t>i3.
4 54
7 18
II 58
2 59 .| 4 59
7 13
mom
b5i
213
31
Sat
4 51
7 21
morn
7 5 1
4 55
7 17
mom
4 0 1 4 59
7 12
4
740
MOON'S
PHASES.
BOSTON.
New-York.
Washington.
CHARLESTON.
SUN AT
NOON MARK.
D.
H. M.
H. M
H. M.
H. M.
D. j
H. M. S.
New Mo
on.
7
8 37 Morning.
8 25
Morning.
8 13 Morning.
8 I Morning.
I
12 3 41
First Qu
arter,
15
I 32 Morning.
I 2C
Morning.
I 8 Morning.
0 56 Morning.
9
12 5 2
Full Mo
on,
21
4 18 Evening.
4 6
Evening.
3 54 Evening.
3 42 Evening. j
17
12 5 56
Las
Qu
arter,
28
6 57 Evening.
6 45
Evei
ing.
6
33 Ev
ening.
6 21
Evenin
g- .
25 1
12
5 IS
^•^j^^g^-
<)-«►
-Mh
-*3=»*-
THE NEW-YORK ALMANAC,
-(H-
17
*
i^
Hon. WILLIAM A. WHEELER, of New-York.
WILLIAM ALMON WHEELER was born June 30th, 18 19, in Malone, N. Y.
He received an academic education, and entered the University of Vermont
in 1838, but, on account of the death of his father, he remained only about a year.
He tauglit school, and studied and practiced law, and was for several years
district-attorney of Franklin County. In 1850-51 he was a member of New-York
Assembly, and in 1858-59 a member of the Senate, and president /r^ tern. In
1867-68 he was a member, and president, of the Constitutional Convention. He
served as Representative in the Thirty-seventh, Forty-first, and the three succeed-
ing Congresses, and was elected Vice-President of the United States in 1876. Mr.
Wheeler has also been engaged in banking and railroad affairs ; was cashier and
director of the Bank of Malone, and a trustee of the Northern New-York Railway
Co. As chairman of a committee on Louisiana affairs in the Forty-third Congress,
he brought about an adjustment of complicated questions on a basis since known as
"the Wheeler Compromise."
-«-<>-
-=«-^(f-<&s—
-iV^
-M>
18
^-^<^
THE NEW-YORK ALMANAC,
-<)^
A MAN takes correction and advice mucli more
easily tiian people think, only he will not
bear it when violently given, even though it be
well founded. Flowers remain open to the soft-
falling dew, but shut up during the violent down-
pour of rain.
IF die times are hard, consider how difficult it
would be for your family to get along without
the insurance in case of your sudden death.
" Hard times " are simply times when it is hard
for persons without capital to get a living, and if
a man with business capacities finds the times
"hard," how would women and children find
them? One of the last things to be given up in
such times ought to be the protection of one's
wife and children. If men who are in doubt on
this point could see and know what some life
agents have seen and known, of policies dropped
and death and poverty following so soon after
that those who suffered could not forget how
much they had lost, they would not consider the
question for a moment. Better to live with insur-
ance than to die withovt it.
THERE are two persons who fail utterly to
comprehend the meaning of money — the
miser and the fool. The former hides his gold
and lives and dies in want ; the latter spends all
he has in the first day of its possession, and then
comes his poverty. Miser and spendthrift thus
are equal partners in distress. One must avoid
both these forms of human misery, and must
take the path of a Franklin and be a philosopher
over each day's wages, or he will fail. — The
Alliance.
Eighth Month.
AUGUST:i88o.
Thirty-one Days.
JJ >-
in Q
214
215
216
217
218
219
220
221
222
223
224
225
226
r 227
228
229
230
231
232
233
234
235
236
2J7
238
239
240
241
242
243
244
X
H
2
0
a
u.
0
>.
>
<!
0
Q
I
.s
2
Mon
3
Tues
4
Wed
5
Thur
6
Fri
7
Sat
8
.S
9
Mon
10
Tues
II
Wed
12
Thur
13
Fri
14
Sat
IS
S
16
Mon
17
Tues
18
Wed
iq
Thur
20
Fri
21
Sat
22
;S
23
Mon
24
Tues
25
Wed
26
Thur
27
Fri
2?
Sat
29
;5i
30
Mon
31
lues
LIFE INSURANCE
PHENOMENA
FOR THE MOST HEALTH-
FUL PORTIONS OF
THE United States,
the dominion of canada,
Great Britain and
Ireland,
France and Belgium.
During: the month
of Aug-ust, 1879,
the New- York Life
Insurance Compa-
ny paid 37 death-
claims on the lives
of 36 persons.
The whole amount
paid w^as $104,-
443. 00, an averag'e
of over $2900 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$84,347.05, an av-
erage of a little
less than $1000
per family. The
gain to the fami-
lies of the deceased
was, therefore,
$70,095.95, an
average of over
$1900 each. For
each $100 paid to
the Company, they
received $304.08.
Calendar tor
Boston, New England
N. Y. State, Michigan,
Wisconsin, Iowa,
and Oregon.
Sun Sun Moon H. W.
Rises Sets. Rises Boston
H. M.
4 52
H.M.
7 20
7 18
7 17
7 16
7 15
7 14
7 12
7 II
7 10
7 8
7 7
7 6
7 4
7 3
7 "
7 o
558
6 57
655
5 12.6 54
5 13,6 52
5 14 6 51
5 15 6 49
' 6 48
6 46
6 44
643
6 41
6 39
6 38
6 36
5
16
S
S
17
18
5
19
.•;
20
5
21
5
22
5
23
H. M.
38
1 29
2 25
3 24
4 2b
sets
742
8 5
8 30
856
9 26
ID 2
1049
II 41
mom
44
158
3 13
4 28
nses
7 15
7 43
8 9
839
9 II
9 50
10 32
11 22
morn
H. M.
8 12
9 7
9 56
10 42
11 22
12 o
morn
37
I IS
1 55
2 37
3 23
4 17
5 19
6 31
7 43
857
9 56
10 51
11 35
ev. 17
59
1 40
2 19
3 3
3 50
442
538
6 40
7 39
834
Calendar for
N. Y. Cn Y, Philadelph
Connecticut, New
Jersey, Pennsylvania
Ohio, Indiana and
Illinois.
Sun Sun Moon H.W.
Rises Sets. Rises N."V.
H. M.
4 56
4 57
4 5«
4 59
5 o
5 1
5 2
5
5
5
5
5
5
5
5 i'^
5 II
S 12
5 13
5 14
5 15
S 10
5 17
5 17
5 18
5 19
S 20
5 21
5 22
5 23
5 24
5 25
H.M.
7 16
7 14
7 13
7 12
7 II
7 10
7 9
7 7
7 6
7 5
7 4
7 2
7 I
7 o
6 58
6 57
655
6 54
6 53
651
6 50
6 48
6 47
6 45
6 44
6 42
6 41
6 39
6 37
6 36
^ 34
H. M.
44
1 35
2 30
3 29
4 30
sets
741
8 5
831
859
930
ID 7
10 «5
11 47
morn
49
2 2
3 17
4 31
rises
7 16
7 44
8 II
8 42
9 16
9 55
1038
II 28
mom
H.M.
456
552
6 42
724
8 5
845
923
10 I
1037
11 21
mom
8
1 4
2 8
3 20
431
542
6 42
7 35
817
9 3
9 45
10 25
ev.36
1 29
2 24
3 26
4 24
5 '9
Calendar for
Washington, Mary-
land, Virginia,
KENTUCKY, Missouri,
and California.
Sun Sun Moon Moon
Rises Sets Rises Soutli. 5
59
58
56
6 54
14 I 6 53
15 6 52
16 6 SI
17 6 50
i7'6 48
18 1 6 47
19 6 45
6 44
6 43
6 41
23 I 6 40
24 1 6 38
2516 37
6 35
26] 6 34
2716 32
H. M.
SO
1 41
2 36
3 34
4 34
sets
7 40
8 5
833
9 I
9 34
10 12
11 o
"53
morn
55
2 8
3 21
4 34
rises
716
746
8 14
8 46
9 21
10 I
1044
11 34
mom
27
I 23
h. m
8 29'
9 19
10 8
10 55
11 42
ev.27
1 II
1 55
2 40
3 27
4 16
5 9
6
7 6
8 7
9 9
10 8
11 4
II 57
morn
47
1 35
2 22
3 8
3 56
4 44
5 33
6 22
7 12
8 1
849
Moon's Phases.
New
Moon,
First Quarter,
Full
Moon,
Last
Quarter,
II 4 Evening.
7 58 Morning.
o 34 Moming.
II 31 Morning.
New-York.
h. m.
10 52 Evening.
7 46 Moming.
o 22 Morning.
11 ig Morning.
Washington.
10 40 Evening.
7 34 Morning,
o 10 Morning.
11 7 Morning.
Charleston.
10 28 Evening.
7 22 Moming.
11 58 Eve. 19th.
10 55 Morning.
-M>
?3>~^f^-<^-
-M>-
-43>-^
-<H-
THE NE^W-YORK ALMANAC.
19
Hon. GEORGE F. EDMUNDS, of Vermont.
GEORGE F. EDMUNDS was born at Richmond, Vt., February ist, 1828.
He received his education in the public schools and from private tutors,
studied law, and practiced in his native state. He was a member of the lower
house of the Vermont Legislature in 1854-59, serving three years as Speaker. In
1861-62 he was a member of the state Senate, and president pro tern. In 1865 he
was appointed United States Senator to fill the vacancy caused by the death of
Hon. Solomon Foot, and was afterward elected by the Legislature for the unexpired
term. He was re-elected for the term beginning in 1S69, and again for the term
beginning March 4th, 1875. He was Chairman of the Judiciary Committee from
1872 until the Senate became Democratic, in 1879.
-M)-
i3-^l^-<g^
-iy^
'^-^
20
«~*-<£^
THE NEW-YORK ALMANAC,
<^-^
I^ANics cannot affect life companies as they
do banks and other great trust institutions.
The liabihties of the life company mature under
the law of mortality, which is steady and regular,
while those of other institutions depend more
upon human judgment, caprice, fickleness, etc.
There can be no such thing as a run on a well-
managed life company. If it is so managed,
each man's money will be ready for him when it
is due, but people cannot, in a time of panic, ruin
the company and impair the safety of their own
savings. The terms upon which their invest-
ment is made prevent any such ruinous sacrifice
of their interests.
MANY have yielded to go a mile with Satan
who never intended to go with him twain ;
but, when once on the way with him, have been
inveigled further and further, until they knew not
how to leave him. Thus he leads poor creatures
down into the depths of sin, by winding stairs, so
that they see not the end of that to which they
are going. — Worthington.
MEDICINE often fails of its effect — but poison
never; and while, in summing the observa-
tions of past life — not unwatchfully spent — I
can truly say that I have a thousand times seen
patience disappointed of her hope, and wisdom
of her aim, but I have never yet seen folly fruit-
less of, mischief, nor vice conclude but in calam-
ity.— • Ruskin.
"T^EBT," says Josh Billings, " is a trap which
YJ a man sets and baits himself, and then
deliberately gets into."
Ninth Month.
SeptembeRvi88o.
Thirty Days.
a
u
h
<
z
III
0
>•
S
o
0
>•
<
D
245
I
246
2
247
3
248
4
249
S
250
6
251
7
252
8
253
9
254
10
2S5
II
256
12
2S7
13
25»
14
2.;q
IS
260
16
261
17
262
18
263
19
264
20
26s
21
266
22
267
2^
26!J
24
269
25
270
2b
271
27
272
2«
273
29
274
30
Life Insurance
Phenomena
for the most health-
ful portions of
THE United states,
the dominion of canada,
great britain and
Ireland,
France and Belgium.
!i
Calendar for
IBOSTON, New England
I N . '\'. Stat e , M ic h igan ,
I Wisconsin, Iowa,
AND Oregon.
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
S>
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Durin g- the month
of September, '79,
the NeAV-York Life
Insurance Compa-
ny paid 31 death-
claims on the lives
of 28 persons.
The whole amount
paid was $107,-
753. 00, an averagre
of over $3800 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$39,630.91, an av-
erage of a little
more than $1400
per family. The
gain to the fami-
lies of the deceased
was, therefore,
$68,122.09, an
average of over
$2400 each. For
each $100 paid to
the Company, they
received $271.89.
Sun
Sun
Rises
Sets.
h. m.
H.M.
5 24
6 35
5 26
633
5 27
b SI
,S 28
6 29
5 29
6 28
5 3°
b 26
5 31
5 24
5 32
6 22
5 33
6 21
5 34
6 19
S 3S
b 17
5 36
b 15
5 37
6 14
5 .3»
6 12
S 3Q
6 10
5 40
6 8
5 41
b 7
5 43
b 5
5 44
b 3
5 45
6 I
!5 46
6 0
|S 47
5 58
Is 4S
5 Sb
1 5 49
5 54
5 50
5 53
5 51
5 51
5 52
5 49
5 53
5 47
5 54
5 4b
55b
5 44
H. M.
2 14
3 16
4 20
5 23
sets
7 I
7 30
8 5
846
9 37
10 37
11 45
mom
58
2 II
3 24
4 35
rises
6 8
638
7 10
746
H. M.
9 24
10 ID
10 54
11 32
morn
10
48
1 31
2 19
3 8
4 6
5 13
6 25
7 37
841
9 3&
10 24
11 8
II 48
ev.27
I 9
I 51
8 28 i 2 34
9 16I 3 21
' Calendar for
In. Y. City, Philadelph.
Connecticut, New
Jersey, Pennsylvania,
I Ohio, Indiana and
I Illinois.
Sun Sun Moon H.W.
Rises Sets. Rises N. Y.
H. M.
5 26
5 27
10 7
11 3
morn
4 10
5 6
6 4
7 I
3| 7 55
61 847
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5 46
5 47
5 48
H.M.jH. M.
2 18
3 19
4 22
5 24
sets
7 3
6 331
^ 31
6 29
6 28
6 26!
6 25 I
6231 7 34
6 21
6 20
6 18
6 16
6 15
6 13
6 II
6 9
6 8
6 6
6 4
6 3
6 I
5 59
5 58
5 56
5 54
851
942
10 42
11 50
mom
1 2
2 14
3 26
4 36
rises
6 10
6 41
7 14
7 51
833
9 21
5 53iio 12
5 52111 8
5 50 mom
5 48 I 6
5 46! I 6
5 44 2 8
H.M.
6 10
656
7 35
8 IS
855
9 34
10 16
11 o
II S3
morn
53
I 59
3 II
4 22
5 26
6 21
711
750
831
9 14
9 55
1035
II 16
ev. 6
57
1 52
2 50
3 46
4 40
5 32
Calendar for
Washington, Mary-
land, Virginia, ,
Kenti'Ckv, Missouri, ^,
and California. */
Sun Sun Moon Moon j.
Rises Sets Rises South. W
H.M.
6 31
29 1 6 29
30 1 6 28
31 ! 6 26
32 j 6 25
33 I 6 23
34 jo 22
35 j 6 21
35 i 6 20
36 1 6 18
6 17
6 15
6 14
6 12
6 10
6 9
6 7
6 6
6 4
6 2
6 I
5
5
5
5
5
5
54 ! 5 48
55 5 46
H. M.
2 22
3 23
4 24
5 25
sets
7 5
7 37
8 14
857
948
10 48
11 55
morn
1 7
2 18
328
4 37
rises
6 12
64s
7 18
7 56
839
9 27
10 18
11 13
morn
II
1 10
2 II
H. M.
9 36
10 22
11 7
II 52
ev.37
1 24
2 13
3 6
4 I
5 o
6 o
7 o
7 59
854
9 47
1037
II 25
morn
12
59
1 47
2 35
3 24
4 14
5 4
5 54
6 42
7 29
815
9 °
Moon's phases.
D.
New Moon,
4
First Quarter,
1 1
Full Moon,
18
Last Quarter,
26
0 8 Evening.
1 41 Evening.
10 45 Morning.
6 24 Morning.
New-York.
II 56 Morning.
I 29 Evening.
10 33 Morning.
6 12 Morning.
Washington.
II 44 Morning.
I 17 Evening.
10 21 Morning.
5 o Morning.
Charleston.
H. M.
II 32 Morning.
I 5 Evening.
10 9 Morning.
S 48 Morning.
II 59 38
II 56 59
II 54 II
II 51 23
^-^It^
-»-♦
~^-^!^-^r'-
-(M-
THE NEW-YORK ALMANAC.
21
15
*
Major-General W. S. HANCOCK, of Pennsylvania.
W INFIELD SCOTT HANCOCK was born in Montgomery County, Pa., February
14th, 1824. He entered West Point in 1840, from which he was graduated in 1844.
He served in the Mexican war, in Florida against the Seminoles, in Kansas, and in California,
being on duty in the latter state at the outbreak of the civil war. He was made a brigadier-
general of volunteers in September, 1861, and was thereafter connected with the Army of
the Potomac. For meritorious services in the Peninsular campaign he received three
brevets in the regular army. After the battles in Maryland, in the autumn of 1862, he was
made a major-general of volunteers. After Fredericksburg and Chancellorsville, he was
placed in command of the second army corps. At the death of General Reynolds at
Gettysburg, July 1st, 1863, Hancock checked the retreat of the national forces, and seized the
position around which the battle raged during the two successive days. He was severely
wounded during the last assault on his lines, and for conspicuous services during the battle
he received the thanks of Congress. He took a prominent part in the campaign against
Richmond in the spring of 1864, for which he was made a brigadier-general in the regular army.
Since the war he has commanded several different "military divisions," having been made a
major-general in the regular army upon the accession of General Grant to the Presidency.
-^-^!^-g^
— {)-♦-
-<-©-
*3^-^-<g*
THE NEW-YORK ALMANAC,
<M-
THE professional man ought to insure his
life; because hardly one in ten lays up any
considerable sum of money before he is forty
years of age, and many never do. It takes some
very worthy and able men many years to get
well established in their profession, and during
all that time they must, for the sake of their pro-
fession, as well as for their own enjoyment,
maintain a position in society at considerable
expense. The savings of these early years form
no sort of reliance for the support of a family in
case of death. The annual payment of a small
sum for life insurance secures, from the day the
first payment is made, about what the same sum
deposited every year would amount to, at six per
cent, compound interest, in fifteen or twenty
years. A man is thus enabled to secure his family
a competence, in case of need.
THE only way to shine, even in this false
world, is to be modest and unassuming.
Falsehood m.ay be a thick crust ; but, in the
course of time, truth will find a place to break
through. Elegance of language may not be in
the power of us all ; but simplicity and straight-
forwardness are. — W. C. Bryant.
WHY don't you marry?" said Pope Alex-
ander VII. one day to Alacci, the librarian
of the Vatican. " So that, your holiness, if an
opportunity offers, I may enter the priesthood."
" Well, then, why don't you become a priest? "
" I don't, your holiness, in order that if a good
opportunity presents itself I may marry."
H
E who can take advice is sometimes superior
to him who can give it. — Von Knebel.
Tenth Month.
October V 1880.
Thirty-one Days
%
u.
s
M
<
«
>
^
u.
0
0
li.
0
>•
Q
>
<
D
Day
a?-;
I
Fri
276
2
Sat
277
3
S
278
4
Mon
27P
S
Tues
280
6
Wed
281
7
Thur
282
8
Fri
283
9
Sat
284
10
S
28s
II
Mon
286
12
Tues
287
13
Wed
288
14
Thur
28q
IS
Fri
zgo
16
Sat
2gi
17
^
292
18
Mon
293
19
Tues
294
20
Wed
29 s
21
Thur
296
22
Fri
297
23
Sat
298
24
;S
299
25
Mon
va
2b
Tues
■\o-L
27
Wed
^02
28
Thur
30-3
29
Fri
304
30
Sat
30 s
31
s
LIFK INSURANCE
PHENOMKNA
FOR THE MOST HEALTH-
FUL PORTIONS OF
THE United States,
THE Dominion of Canada,
Gkeat Britain and
Ireland,
France and Belgium.
During- the first
nine months of '79,
the New- York Life
Insurance Compa-
ny paid 427 death-
claims on the lives
of 365 persons.
The whole amount
paid was $1,243,-
570. 5 2, an average
of over $3400 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$485,489.05, an
averag-e of a little
less than $1400
per family. The
grain to the fami-
lies of the deceased
was, therefore,
$758,081.47, an
average of over
$2000 each. For
each $100 paid to
the Company, they
received $256.14.
Calendar for
Boston, New England
N.Y. Si'AiK, Michigan,
Wisconsin, Iowa,
AND Oregon.
Sun Sun Moon H. W.
Rises Sets. Rises Boston
M. H.M.
5 57 S 42
5 4°
59 5 39
0 5 37
1 5 35
2 5 33
3 5 32
4 5 30
6 s 28
7 5 27
8 5 25
9 5 23
10 ! 5 22
II j 5 20
13 5 19
14 5 17
t5 5 15
6 16:5 14
5 12
5 II
5 9
6 17
6 18
6 20
6 21
6 22
6 23
6 24
6 26
6 27
6 28
6 29
6 31
6 32
59
57
4 57
4 55
H. M.
3 9
4 14
522
sets
6 5
645
7 34
831
938
1049
raorii
2
1 2;^
2 23
3 31
4 39
5 44
rises
5 43
628
7 8
758
853
9 50
10 50
11 so
morn
53
156
3 I
4 10
9 33
10 18
11 2
II 44
morn
27
1 15
2 7
3 I
4 I
5 7
6 12
7 17
815
9 7
9 55
1039
11 19
12 o
ev.42
1 26
2 9
254
340
4 29
5 20
6 14
7 8
8 o
853
9 43
Calendar for
N.Y. City, Philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
illi.nois.
Sun
6 9
6 10
6 II
6 12
6 13
6 14
6 15
6 16
6 18
6 19
6 20
6 21
6 22
6 23
6 24
6 26
627
6 28
629
Sun
Moon
Sets.
H.M.
Rises
h. m.
5 43
3 II
5 41
4 14
5 39
5 21
5 38
seU
5 36
6 9
5 35
bso
5 33
7 39
5 31
8 3(3
S 30
9 44
5 28
1054
,5 27
morn
5 25
5
5 23
I 25
5 22
2 25
5 20
3 31
5 19
4 37
5 17
542
S lb
rises
5 14
548
5 13
0 34
5 12
714
5 10
8 4
5 9
858
5 7
9 55
5 b
1053
5 4
II 53
5 3
morr.
5 2
55
5 I
I 5"^
4 59
3 I
4 58
4 9
H.M.
6 19
7 4
7 45
825
9 14
10 I
1049
11 46
morn
46
1 53
2 58
4 2
4 59
5 52
6 40
7 24
8 2
845
9 28
10 12
10 51
2 9
3 °
351
4 45
V^
0 29
Calendar for
Washington, Mary-
land, Virginia, a
Kentucky, Missouri, Jj<
and California.
Sun Sun Moon Moon ^
Rises Sets Rises Soutli.-4
H.M.
5 55
5 56
5 57
5 58
5 59
6 o
6 I
6 2
6 3
6 4
13
14
15
iC
18
19
6 20
6 21
6 22
6 23
6 24
6 25
6 26
H.M.
5 43
5 42
5 40
5 39
5 37
5 35
5 34
5 32
5 31
5 29
5 28
■; 26
5 25
5 23
5 22
5 21
5 19
5 18
3 16
5 15
5 14
5 13
5 II
5 10
5 9
5 8
5 6
5 5
5 4
5 2
5 I
H. M.
3 12
4 14
5 20
sets
6 13
655
7 45
842
9 49
1059
morn
9
1 28
2 26
3 31
436
5 40
rises
5 53
639
7 20
8 10
9 4
10 o
1057
11 cC
morn
57
I 57
3 o
4 7
h
H. M.
9 44
1030
II 17
ev. 6
59
1 55
2 54
3 54
4 55
5 54
6 so
742
8 32
9 19
10 6
10 52
11 39
mom
27
1 16
2 6
2 56
3 46
4 34
5 21
6 7
6 52
736
8 20
9 6
9 54
Moon's phases.
New Moon,
First Quarter,
Full Moon,
Last Quarter,
h. m.
II 59 Evening.
7 51 Evening.
II 42 Evening.
2 16 Morning.
New-York.
h. m
II 47 Evening
7 39 Evening
II 30 Evening
2 4 ^lorning
Washington.
H. M.
1 1 35 Evening.
7 27 Evening.
II 18 Evening.
I 52 Morning.
Charleston.
H. M.
II 23 Evening.
7 IS Evening.
II 6 Evening.
I 40 Morning.
H. M. S.
II 49 2S
9 I II 47 6
17 II 4S 16
25 I II 44 4
-M)-
-'^-^f^-^
<)-»-
o-<h
>-^l^'<g<=-
THE NEW-YORK ALMANAC.
23
-<>-♦-
Hon. E. B. WASHBURNE, of Illinois.
ELIHU BENJAMIN WASHBURNE was born at Livermore, Me., September
23d, 1 8 16. In early life he was a printer, afterward received an academic
education, and studied law in Hallowel and Boston. In 1840 he removed to
Galena, lU.., and began the practice of his profession. He was elected to
Congress in 1852, and served continuously until 1869, when he was, by continuous
service, the oldest member of the House. Upon the accession of General Grant to
the Presidency, Mr. Washburne was made Secretary of State, and soon afterward
Minister to France, He remained at his post of duty in Paris during the siege by
the Germans and during the reign of the Commune. The embassadors of other
governments having removed, Mr. Washburne, as far as possible, gave shelter and
assistance to all foreigners who sought his protection. For his services to Germans
who remained in the city, and to wounded Parisians, grateful acknowledgments
were made by the German government and the French people. Upon the
accession of President Hayes, Mr. Washburne was recalled at his own request.
-♦-(>-
*3~^l^<g^-
-»-<)-
24
«"*^<g*-
THE NEW-YORK ALMANAC,
<M-
To THOSE who are insured. If experience
says anything plainly it says, keep up your
policy. Not only is it true that you might not be
able to get another one should you drop the one
you have, but continuous insurance is always
cheaper and safer than intermittent insurance.
You cannot reap the full benefit of your contract
except by completing it. The premium rates are
graded according to the age at the time of insur-
ing, being lower for younger men. Therefore
the man who has a policy and gives it up expect-
ing to insure again must run two risks and
submit to one certain loss, viz. : the risk of dying
before applying for new insurance, and the risk
of being rejected when he does apply, and the
certainty of having to pay higher premium rates.
All the advantages are on the side of keeping up
your policy, the dangers on the side of dropping it.
A CLERGYMAN, a widower, recently created
quite a sensation in his household, which
consisted of seven grown-up daughters. The
daughters received a letter from their father,
which stated that he had "married a widow with
six sprightly children," and that he might be
expected home at a certain time. When the day
of arrival came the house was anything but
inviting. At last the minister came ; but he was
alone. He greeted his daughters as usual, and
as he viewed the neglected apartments there
was a merry twinkle in his eye. At last the
eldest mustered courage and asked: "Where
is our mother?" "In Heaven," said the good
man. "But where is the widow with six chil-
dren, whom you wrote you had married?"
" Why, I married her to another man, my dears,"
he replied.
Eleventh Month.
November vi 880.
Thirty Days.
306
307
308
309
310
311
312
313
314
31S
316
317
318
319
320
321
322
323
324
32s
326
.327
328
329
330
331
332
333
334
335
a
^
z
0
Id
S
^
u.
0
^
>■
D
Q
I
Mon
2
Tues
3
Wed
4
Thur
5
Fri
6
Sat
7
S
8
Mon
9
Tues
10
Wed
II
Thur
12
Fri
13
Sat
14
,S
15
Mon
16
Tues
17
Wed
18
Thur
19
Fri
20
Sat
21
;S
22
Mon
23
lues
24
Wed
2S
Thur
26
Fri
27
Sat
28
a
29
Mon
30
Tues
Ltfk Insurance
Phenomena
for the most health-
ful portions of
THE UNrrED STATES,
THE Dominion of Canada,
Great Britain and
Ireland,
France and Belgii/m.
During- the year
ending' Jan. 1 , '79,
the New-York Life
Insurance Compa-
ny paid 533 death-
claims on the hves
of 435 persons.
The whole amount
paid was $1,687,-
675. 00, an average
of over $3800 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$620,704.00, an
averag-e of a little
less than $1 5 00
per family. The
gain to the fami-
lies of the deceased
was, therefore,
$1,066,971.00, an
average of over
$2400 each. For
each $100 paid to
the Company, they
received $271.89.
Calendar for
Boston, new England
N.Y. State, Michigan,
Wisconsin, Iowa,
AND Oregon.
Sun Sun Moon H. W,
Rises Sets. Rises Boston
h. m.
6 33
6 34
6 36
6 37
6 38
6 39
6 41
642
6 43
6 44
6 46
6 47
6 48
6 49
6 51
6 52
(j 53
6 54
6 56
6 57
H.M.
4 54
4 53
4 51
4 5°
4 49
4 48
4 47
4 45
4 44
4 43
4^
39
39
3S
37
36
35
34
34
4 33
4 32
4 32
4 31
4 3^
4 30
4 30
4 3°
4 29
H. M.
521
6 35
sets
6 21
7 27
839
9 52
II 6
morn
14
1 23
2 29
3 35
4 39
541
644
rises
5 51
644
742
8 40
9 39
1039
"39
mom
42
1 33
2 56
4 9
5 23
H. M.
10 32
11 21
morn
13
I 5
2 55
3 51
450
548
64s
741
834
923
10 10
105s
II 36
ev. 19
I I
I 44
2 27
3 9
352
438
528
6 21
7 17
813
9"
ID 8
Calendar for
N.Y. City, Phi ladelph,
Connecticut, new
Jersey, Pennsylvania,
Ohio, Indian a and
Illinois.
Sun Sun Moon H.W.
Rises Sets. Rises
H. M.
6 30
6 31
6 32
6 34
6 35
6 36
637
6 38
6 40
6 41
6 42
6 43
6 44
6 46
6 47
6 48
0 49
6 50
651
6 S3
6 54
655
6 56
6 57
H.M.
4 57
4 56
4 54
4 53
4 52
4 51
4 50
4 49
4 48
4 47
4 46
4 45
4 44
4 45
4 42
4 41
4 40
4 39
4 39
4 38
4 38
4 37
4 36
4 36
4 35
4 35
4 35
4 34
4 34
4 4 34
H. M.
5 19
631
sets
6 27
7 33
843
956
II 8
mom
16
1 24
2 28
3 33
4 36
5 37
639
rises
5 57
649
746
844
942
10 42
11 41
mom
42
I 35
254
4 6
5 19
H.M.
7 17
8 4
856
951
10 41
11 39
morn
37
1 37
2 31
3 31
4 26
5 19
6 9
6 56
738
8 19
9 5
9 47
1028
II 10
II 54
ev.38
1 25
2 14
3 7
4 2
4 57
5 57
654
Calendar for
Washington, Mary-
land, Virginia,
Kentucky, Missouri,
and California.
Sun
Rises Sets Rises South. ^^
H.M.
6 27
6 28
6 29
6 31
6 32
6 33
6 34
6 35
6 36
6 37
6 38
6 39
6 40
I 6 41
!' 6 43
Sun Moon Moon
H.M.
5 o
4 59
4 58
4 57
4 56
4 55
4 54
4 53
4 52
4 51
4 50
4 49
4 48
4 47
4 47
6 44 4 46
6 45 I 4 45
6 46 1 4 44
6 47 ! 4 44
6 4814 43
6 49 4 43
6 50 4 42
6 51 4 42
6 52 4 41
6 53 4 40
6 55 4 40
6 56 4 40
6 57 4 40
6 58 j 4 39
6 59 4 39
I
H. M.
5 16
6 28
sets
633
738
848
10 o
11 12
morn
17
1 24
2 28
3 31
4 33
5 33
6 34
rises
6 3
655
7 51
848
9 45
1044
II 42
morn
42
1 36
2 52
4 2
5 14
h. m.
1045
II 41
ev.40
• 43
2 46
3 47
445
5 39
6 29
7 17
8 3
849
9 35
10 22
11 10
II 59
morn
49
I 39
228
3 16
4 2
446
5 29
6 12
656
742
830
9 23
ID 20
Moon's phases.
New Moon,
First Quarter,
Full Moon,
Last Quarter,
BOSTON.
h. m.
II II Morning.
3 36 Morning.
3 55 Evening.
9 II Evening.
New-York.
10 59 Morning.
3 24 Morning.
3 43 Evening.
8 59 Evening.
Washington.
h. m.
10 47 Morning.
3 12 Morning.
3 31 Evening.
8 47 Evening.
CHARLE.STON.
H. M.
10 35 Morning.
3 o Morning.
3 19 Evening.
8 35 Evening.
m. s.
43 41
44 2
45 16
47 23
-M)-
-«~^!^x^-
i}^
-M)-
-^--^!t-<g^-
-(M-
THE NEW-YORK ALMANAC,
25
*
Ex-President U. S. GRANT, of Illinois.
ULYSSES S. GRANT was born April 27th, 1822, at Point Pleasant, Clermont County,
Ohio. He entered West Point in 1839, and was graduated in 1843. He remained in
the army eleven years, was engaged in every battle of the Mexican War except Buena Vista,
and received two brevets for gallantry. He resigned his captain's commission in 1854,
followed farming imtil i860, when he entered the leather trade with his father at Galena, 111.
When President Lincoln issued his first call for troops, April 15th, 1861, Captain Grant
offered his services to both the state and federal governments, and on the 19th was drilling
a volunteer company at Galena. His military and civil services are yet so fresh in the minds
of the people that they scarcely need to be recounted. The capture of Fort Donelson in
February, 1862, made him a major-general of volunteers; the capture of Vicksburg brought
him the same rank in the regular army; and the battles about Chattanooga gave him com-
mand of all the armies of the United States, with the revived rank of Lieutenant-General.
At the close of the war the grade of General was created for him. He was for a considerable
time Secretary of War ad i7ttenm under President Johnson, was elected President in
1868, and re-elected in 1872.
-o-ky
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26
-^3-^1^ ■^^
THE NEW-YORK ALMANAC,
<M-
LIFE insurance may be likened to a savings-
banlc in one respect, in that the payment of
certain sums every year will accumulate to a
considerable fund at last. But it would be very
absurd to say, because a person could accumulate
a larger fund by putting his money out to interest
than he could by insuring his life when life is
prolonged, that, therefore, it is better not to
insure ; for this argumait entirely ignores the one
main element of the calculation, and that which
gives insurance its special value, viz. : the uncer-
tainty of life. To insure life we look upon as a
simple matter of plain duty to all who Iiave cither
wife, children or aged parents dependent on them,
and have not a reasojiable competence to leave them.
A life policy matures just when help is needed,
and is in amount equal to the premiums that
would be paid in the course of many years.
WH.\TEVER expands the affections or enlarges
the sphere of our sympathies, whatever
makes us feel our relations to the universe and
all that it inherits, in time and in eternity, to the
great and beneficent cause of all, must unques-
tionably refine our nature and elevate us in the
scale of being.
MANY an honest man practices upon himself
an amount of deceit sufficient, if practiced
upon another and in a little different way, to
send him to the State Prison.
AN old bachelor at a wedding feast had the
heartlessness to offer the following toast:
" Marriage— The gate through which the happy
lover leaves his enchanted regions and returns
to earth."
Tzvelfih Month.
December •:• 1880.
Thirty-one Days.
^ D
336
3.?7
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
334
355
356
357
358
359
360
361
362
363
364
365
•-;66
K
\i
2
0
M
S
iS
u.
0
>-
<;
U
I
Wed
2
Thur
3
Fri
4
Sat
s
S
6
Mon
7
Tues
8
Wed
Q
Thur
10
Fri
n
Sat
12
.S
IS
Mon
14
Tues
IS
Wed
16
Thur
17
Fri
18
Sat
19
;S
20
Mon
21
lues
22
Wed
23
Thur
24
Fri
2S
tiat
20
.a
27
Mon
2'i
Tues
2Q
Wed
30
Thur
31
Fri
t-IFE INSURANCE
Phenomena
for the most hkalth-
ful hori ions of
THE U.NITEn STATES,
THH Dominion of Canada,
Great Britain and
Ireland,
France and Belgium.
The Insurance
Probabilities are,
at the time this
pagre g-oes to press,
that during' the
thirty-five years
ending- -with Dec,
'79, the New-York
Iiijfe Insurance Co.
vrill have issued
One Hundred and
Forty Thousand
Policies; that it
•will have received
Eig-hty-Four Mill-
ion Dollars in
Premiums, return-
ed to policy-hold-
ers and their fami-
lies Fifty Millions,
and will then hold
in trust for them
over Thirty-Seven
Millions. The In-
surance Barometer
will be rising, the
sky clear, the wind
fresh, and the New
York Life the fa-
vorite Company.
Calendar for
Boston, new England
N.y. State, Michigan,
Wisconsin, Iowa,
and Oregon.
Sun Moon H. W.
Ibises Sets. Rises Boston
H. M.
7 10
7 II
7 12
7 13
7
7
7
7
7
7
7
14
15
16
17
17
18
19
7 20
7 21
7 22
7 22
7 23
7 24
7 24
7 25
i 7 26
I 7 26
I 7 26
I 7 27
7 27
7 28
7 2S
7 28
7 29
7 29
7 29
7 -i^
H. M.
637
sets
6 iS
7 34
4 28 8 49
4 28 10 4
4 28' II 14
4 28
4 28
4 28
4 28
4 28
4 28
4 28
4 29
4 29
4 29
4 29
4 30
4 30
4 31
4 3'
4 32
4 32
4 33
1 26
2 32
3 35
4 35
5 36
6 30
rises
5 34
6 31
731
8 30
928
10 31
11 34
morn
38
1 45
2 57
4 10
5 21
6 29
sets
H. M.
II 7
12 o
mom
55
I 49
241
3 30
4 22
5 14
6 9
7 5
7 59
853
9 44
1031
II 21
II 57
ev.38
I 18
158
236
3 16
3 57
4 44
5 36
637
740
847
9 51
10 54
11 48
Calendar for
N.Y.CITY, Philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
illlnois.
Sun Moon H.W.
Rises Sets. Rises N.Y.
H. M.
7-5
7 6
7 7
7 8
7 9
7 10
7 II
7 12
7 13
7 14
7 15
7 15
7 16
7 16
7 17
7 18
7 18
7 19
7 20
7 20
7 21
7 21
7 22
7 22
7 23
7 23
7 23
7 24
7 24
H.M.
4 34
4 33
33
33
32
32
32
32
32
32
32
32
4 33
4 33
4 33
4 33
4 33
4 34
4 34
4 35
4 35
4 36
4 37
4 37
4 38
4 39
4 39
4 40
4 40
4 41
4 42
H. M.
6 32
sets
6 23
738
853
10 6
11 15
mora
21
1 25
2 29
3 31
431
5 31
6 25
rises
5 39
635
7 34
833
930
10 31
11 33
morn
36
1 43
2 53
4 5
5 19
6 23
sets
H.M.
7 5°
845
9 41
1033
II 23
morn
16
1 9
2 o
2 55
3 50
4 44
5 39
6 30
7 16
7 57
8 42
924
10 4
10 40 I 7
11 18 ii 7
7
7
7
7
7
7
7
Calendar for
Washington, Mary
LANO, Virginia, a
Kentucky, Missouri, jjji
AND CALIFORNIA.
*
Sun Sun Moon Moon ^^
Rises Sets Rises South.' J
ev. I
43
I 31
3 23
4 25
5 32
6 37
7 33
831
39
39
39
39
4 4°
4 40
4i4 40
4J4 41
5,4 41
5i4 42
4 42
4 43
4 43
4 44
4 44
4 45
4 46
4 47
:9|4 47
91448
H. M.
6 27
sets
628
742
8 56
10 8
11 15
morn
20
1 2T
2 27
3 27
4 26
5 25
6 19
rises
5 44
639
738
83s
931
10 32
11 32
morn
34
I 40
249
4 o
5 10
6 17
sets
H. M.
II 22
ev. 27
1 31
2 33
3 31
4 24
5 14
6 I
6 47
7 33
8 19
9 6
9 55
1044
II 34
mom
24
1 12
158
2 43
326
4 9
4 51
5 35
6 20
7 9
MOON'S Phases..
D.
New Moon,
I
First Quarter,
8
Full Moon,
16
Last Quarter,
24
New Moon,
31
Boston.
10 12 Evening.
1 54 Evening.
10 52 Morning.
2 13 Evening.
9 12 Morning.
New-York.
10 o Evening.
1 42 Evening.
10 40 Morning.
2 I Evening,
9 o Morning.
Washington.
H. M.
9 48 Evening.
I 30 Evening.
10 28 Morning.
I 49 Evening.
8 48 Morning.
CHARLESTON.
9 36 Evening.
I 18 Evening.
10 16 Morning.
I 37 Evening.
8 36 Morning.
H. M. s.
II 49
II 52
II 56
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THE NEW-YORK ALMANAC.
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27
Hon. THOMAS F. BAYARD, of Delaware.
THOMAS FRANCIS BAYARD was born at Wilmington, Del., October 29th,
1828. He received an academic education, intending to enter mercantile
life, but finally studied law, and was admitted to the bar in 185 1. In 1853 he was
appointed United States District Attorney for Delaware, which office he resigned in
the year following. In 1855-56 Mr. Bayard resided in Philadelphia; with this
exception his practice of the law has been confined to his native state. In 1868 he
succeeded his father, James A. Bayard, Jr., as United States Senator from
Delaware, and was re-elected in 1875. Thomas Ashton Bayard, his grand-
father, was likewise United States Senator, and held other federal offices. Mr.
Bayard was made Chairman of the Finance Committee of the Senate when that
body became Democratic, in 1879.
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28
THE NEW-YORK ALMANAC,
Possible Presidents.
WE take great pleasitre in presenting
our readers with portraits of twelve
distinguished citizens, from whom we fully
expect the next candidates for President
will be chosen. All will not be nomi-
nated, of course, and it will be easy to
say, either before or after the nominations
are made, that such and such an one
"stands no chance," and the result will
seem to prove it for most of them. The
task of selecting six from each party has
been a difficult and delicate one ; but we
have solicited and obtained opinions from
all parts of the country, so that the selec-
tions made may, we think, fairly be said
to represent the political " probabilities "
at the present time. But "doubtful things
are uncertain," as the saying goes, and
possibly the "dark horse" may win the
race, in spite of all probabilities to the
contrary. Perhaps it ought to be said
that, according to the views of a majority
of our correspondents, Mr. Conkling of
this state should be one of the twelve. He
has been omitted because of an editorial
statement in the Tribune of this city, that
Mr. Conkling had positively declared he
would not be a candidate.
The difficulty of being impartial and
unpartisan — or of appearing to be so —
has followed us at every step. We have,
therefore, limited our biographical sketches
to the barest outline of the life and pub-
lic services of each gentleman. The
order in which they appear is purely
accidental, having been determined by
the order in which the plates were re-
ceived from the engravers. Had any
other principle determined their arrange-
ment, who knows what partisanship it
might have betrayed ! Even now we
expect some of the friends of the men,
whose portraits stand opposite the months
in which the nominating conventions
meet, will regard that circumstance as
auspicious.
The plates have been made from pho-
tographs, expressly for the ALMANAC, by
the Photo-Engraving Co. of this city,
whose imprint is a guarantee of a faithful
reproduction of the original pictures.
As a farther help to speculations upon
the question. Who will be the next Pres-
ident? we print herewith the vote for
President in 1876, showing the number
of votes each candidate received, and the
number of electoral votes to which each
state is entitled. By the Constitution, a
majority of the electoral votes is neces-
sary to an election, and in case no candi-
date receives a majority, the election
devolves upon the House of Represent-
atives, voting by states, each state casting
one vote, and a majority of states being
necessary to an election. The vote ot
each state is determined by a majority of
its Representatives. In the present House,
upon which will devolve the next election
in case of no choice by the people, the
Republicans control nineteen state dele-
gations, the Democrats eighteen, while
the Indiana delegation consists of an
equal number of Democrats and Repub-
licans, and one Greenbacker.
THE VOTE FOR PRESIDENT IN 1876.
Alabama
Arkansas
California. . . .
Colorado
Connecticut . .
Delaware ....
Florida
Geor^a
Illinois
Indiana
Iowa
Kansas
Kentucky . . .
Louisiana
Maine
Maryland ....
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Nebraska ....
Nevada
New Hampshire
New Jersey. . . .
New- York
North Carolina
Ohio
Oregon
Pennsylvania ,
Rhode Island.
South Carolina
Tennessee
Texas
Vermont
Virginia
West Virginia. .
Wisconsin
Hayes.
(E.V.)
68,230
38,669
78,614 (6)
By Legis (3)
59,034
10,752
23,849 (4)
50.446
278,2^ (21)
208,011
171.327 (ii>
78,322 (5)
97.156
7,5,135 (8)
66,300 (7)
71,981
150,063 (13)
166,534 (II)
72,962 (s)
52.605
145.029
31,916 (3)
10,383
Tilden, Cooper. Smith
(E. V.)
(lo)
(6)
41,539
103,517
489,207
108,417
330,698 (22)
15,206 (3)
384,122
15.787
91,870
89,566
44,800
44.092
95.558
42,698
130,668 (10)
(29)
(4)
(7)
O!)
Totals 4,033,295(185) 4,284,265(184)
58,071
75.845
lature.
61,934 (6)
13.381 (3)
22,923
130,088 (n)
258,601
213.526 (15)
112,099
37,902
159,690 (12),
70,636 j
49.823
91,780
108,777
141,095
48,799
112,173 -
203,077 (15)
17,554
9,308
38,509
115,962 (9)
521,949 (35)
125,427 (10)
323,182
14,149
366,158
10,712
90,906
133,166 (12)
104.755 (8)
20,254
130,670 (11)
56.455 (5i
123,927
(8)
(8)
44
774
378
17.233
9.533
9,901
7.776
1.944
141
if
818
663
.33
779
9,060
2,311
10
84
766
72
3.498
2,320
64
1.599
76
712
1.987
43
2.359
3.057
510
7.187
68
1.636
1,319
60
1,373
1.509
27
81,7.37
9,522
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THE NEW-YORK ALMANAC.
<)-»-
29
Postal Information.
Domestic Postage.
TO any point within the United States,
or the Dominion of Canada, except
Newfoundland :
Letters. — Matter in writing, or other
matter containing writing in the nature
of personal correspondence, and matter
sealed against inspection, or matter so in-
closed that it cannot be examined without
injury to the wrapper, three cents for each
half ounce or fraction thereof Drop-
letters, at offices having carriers, two cents
per half ounce or fraction thereof; at
offices without carriers, one cent. All
packages containing written information
are rated at letter postage. At least three
cents must be paid on a letter packet
(if to Canada it must be fully prepaid);
if more is due and not paid it will be col-
lected on delivery. A letter will be re-
%■ turned to the writer free if a request to do
J( so is placed on the outside of the envelope.
^^ Letters sent to the wrong place will be
*^ forwarded free at the request of the person
to whom they are addressed. Manuscript,
except when accompanied by proof-sheets,
is charged letter rates.
All letters remaining uncalled for thirty
days in a post-office, after being advertised,
are sent to the Dead-Letter Office, except
letters bearing a request to return to the
writer if not called for within a specified
time, and letters bearing the name and
address on the outside. Such letters are
not advertised, and are not sent to the
Dead-Letter Office, but are returned direct
to the writers. The use of "request"
envelopes is recommended by the post-
office authorities. Mail matter addressed
to initials will be sent to the Dead-Letter
Office, unless a street address or box num-
ber is given.
Postal-Cards. — There must be nothing
whatever attached to a postal-card, except
that the address may be pasted on, nor
anything written or printed on the face
except the address. Anything the sender
desires may be written or printed on the
back, provided it is not scurrilous or inde-
cent. Postal-cards are not returned to
the senders, nor advertised, nor sent to
the Dead-Letter Office. They will be for-
invoices, insurance policies and the vari-
ous documents of insurance companies,
hand-bills, posters, chromo-lithographs
(un-mounted), engravings, envelopes with
printing thereon, heliotypes, lithographs,
photographic and stereoscopic views with
names written thereon, printed blanks and
cards. Rate, one cent for each two ounces
or fraction thereof.
Fourth-Class Matter. — Blank cards,
card-board and other flexible material,
flexible patterns, letter envelopes and
paper without printing thereon, merchan-
dise, models, ornamented paper, sample
cards, samples of ores, metals, minerals,
seeds, cuttings, bulbs, roots, scions, draw-
ings, plans, designs, original paintings in
oil or water colors, and other matter not
included in the first, second or third
classes, and which is not liable to damage
the contents of the mail-bag or injure any
one engaged in the postal service. Rate,
one cent for each ounce or fraction thereof.
Articles which might otherwise be un-
mailable may be mailed if packed so as to
be safe, and easily inspected.
Privileges and Restrictions. — The name
and address of the sender and the word
"from " maybe written upon packages, also
warded at the request of the person to
whom they are addressed, when sent to
wrong place. If not called for in sixty
days they are burned. Any ordinary
printed business card may be sent through
the mails, if a one-cent stamp is attached,
provided it contains no written matter
except the address, which, with the stamp,
should occupy one side.
Second-Class Matter. — Newspapers and
periodicals sent to subscribers by publish-
ers. 'Kate, two cettts per pound.
Third-Class Matter. — Books (blank or
printed), transient newspapers and peri-
odicals, circulars and other matter wholly
in print, proof-sheets corrected or not and
manuscript copy accompanying the same,
prices current with prices in writing, print-
ed commercial papers filled out in writing
(provided such writing is not in the nature
of personal correspondence and the papers
are not completed so as to represent a ^f-
monetary value), such as papers of legal
procedure, deeds, way-bills, bills of lading, i.
■■-'^^^-
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30
-^•^^•<g^
THE NEW-YORK ALMANAC,
<)-^
a list of the articles inclosed ; articles may
have a name or number attached by tag
or label, for purposes of identification ; a
dedication or inscription may be written
in books, etc., provided it is not in the
nature of personal correspondence ; words
or passages in print may be designated by
a simple mark ; packages must be wrapped
so that their contents may be easily ex-
amined. Fully prepaid matter of the
tliird and fourth classes will be "for-
warded " at the request of the person ad-
dressed, but it will not be returned to the
sender unless the postage is paid a
second time. A request to the postmaster
that the sender be notified, in case a
package is not called for, that stamps may
be sent for its return, may ho. printed on
the outside ; such request will be complied
with. The limit of weight for packages
of the third and fourth class is four pounds,
except in case of single volumes of books
weighing more, and books and documents
published or circulated by order of Con-
gress, or official matter from Government
Departments or from the Smithsonian
Institution. Packages of the third and
fourth classes must be fully prepaid and
may be registered ; fee ten cents. Pat-
terns and samples to Canada must not
weigh over eight ounces, nor have any
intrinsic value except as patterns and
samples. Stamps cut from stamped en-
velopes or newspaper wrappers may not
be used in payment of postage, but if the
whole envelope is presented, and the post-
master satisfied that it was spoiled in
directing, it will be redeemed in stamps.
To inclose any written matter in printed
matter renders the person mailing the
same liable to a fine of ten dollars. If
articles upon which different rates of post-
age are charged are inclosed in the same
package, postage must be paid at the
highest rate.
Unmailable Matter. — Liquids, poisons,
explosive and inflammable articles, fatty
substances easily liquified, animals unless
stuffed, insects, reptiles, fruits or vege-
tables, confectionery, substances exhaling
a bad odor, envelopes or postal cards upon
which indecent language or pictures are
written or printed, and all matter con-
cerning lotteries, so-called gift concerts, or
similar enterprises offering prizes, or con-
cerning schemes devised to defraud the
public, or for the purpose of obtaining
money under false pretenses.
General S-iiggestio7is. — Make the ad-
dress of mail matter^/rt/;/ ^ndfidl, giving
post-office, county and State, and if to a
foreign country write that in full ; prepay
postage fully, putting stamps in right hand
upper corner and see that they adhere
well ; use a fair quality of envelope or
wrapper; do not send money in an un-
registered letter unless you are willing to
take the risk of losing it without com-
plaining; if your letter is of any impor-
tance see that it contains inside or outside
your name and address in full, so that if
undelivered the Dead-Letter Office would
be able to return it to you. There are
good and sufficient reasons for all these
precautions, and persons who wish their
mail matter forwarded with the least delay
and risk will do well to heed themwithout
stopping to ask " why."
Foreign Postage.
The "Universal Postal Union" em-
braces all European countries and their
most important colonies and depen- a
dencies, also the Argentine Republic, ^
Brazil, Egypt. Honduras, Japan, Mexico,
Newfoundland, Persia, Peru, Trinidad, >|«
Turkey in both Europe and Asia, and '
various cities in China. To any of these
points the postage if prepaid is, on letters,
five cents for each half ounce or fraction ;
on newspapers, if not over four ounces in
weight, two cents each ; if over four
ounces, two cents additional for each four
ounces or fraction ; on other printed mat-
ter, commercial papers and samples of
merchandise, one cent for each two ounces
or fraction, but a packet of commercial
papers will be charged at least five cents
and a packet of samples at least two cents.
A "foreign postal-card" is issued for use
between these countries, price two cents.
Registration fee is ten cents on all packets ;
the limit of weight for samples is eight
and three-fourths ounces, for printed mat-
ter and commercial papers, four pounds
and six ounces. Unprepaid letters are
charged double postage, and all matter
insufficiently paid, double the amount of
the deficiency. The prepayment of the
postage on letters is optional, but other
matter and all matter that is registered
must be at least partially prepaid. Stamps
must be used that are issued in the coun-
try where the packet is mailed. Foreign
mail packets must not contain gold or
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THE NE^W-YORK ALMANAC.
31
silver substances, coin, jewelry, precious
articles of any kind, nor articles subject to
customs duties. Other rules are substan-
tially the same as for domestic mail matter.
The rates and rules for countries other
than the above are various and compli-
cated, and for information concerning
them it will be safer to consult the postal
authorities.
Post-OfSce Money-Orders.
For the convenience of persons desiring
to send small sums of money through
the mails with perfect safety, and to ac-
commodate those not having banking
facilities, a large number of post-offices
have been designated money-order offices,
at which orders may be procured upon
other money-order offices in sums not ex-
ceeding fifty dollars. The fees are as
follows :
On orders not exceeding $15, 10 cents.
Over $15 and not exceeding $30, 15 cents.
Over $30 and not exceeding $40, 20 cents.
Over $40 and not exceeding $50, 25 cents.
Conventions for the exchange of money-
orders have been concluded with Canada,
Great Britain and Ireland, Germany, Italy
and Switzerland. The fees are as follows :
CANADIAN RATES.
On orders not exceeding $10, 20 cents.
Over $10 and not exceeding $20, 40 cents.
Over $20 and not exceeding $30, 60 cents.
Over $30 and not exceeding $40, 80 cents.
Over $40 and not exceeding $50, $1.00.
BRITISH, SWISS AND ITALIAN RATES.
On orders not exceeding $10, 25 cents.
Over $10 and not exceeding $20, 50 cents.
Over $20 and not exceeding $30, 75 cents.
Over $30 and not exceeding $40, $i.co.
Over $40 and not exceeding $50, $1.25.
GERMAN RATES.
On orders not exceeding $5, 15 cents.
Over $5 and not exceeding $10, 25 cents.
Over $10 and not exceeding $20, 50 cents.
Over $20 and not exceeding $30, 75 cents.
Over $30 and not exceeding $40, $1.00.
Over $40 and not exceeding $50, $1.25.
-f
Reading Clubs.
READING Clubs are simple organi-
zations which enable their members
to secure the reading of inany books for
the price of one. For example, a club,
consisting of a dozen persons, purchases
a dozen books, each member paying an
equal amount. Each then takes a book,
reads it and passes it to the member next
on the list. When the books have gone
the rounds, they are either sold, given
away, or retained by some member des-
ignated, and form a library from which
they may be drawn. The proceeds from
sales, fines for keeping books over time,
etc., are used for the purchase of new
books. Some clubs buy monthly peri-
odicals instead of books, some buy both,
and even weekly newspapers. Some clubs
have occasional meetings at the members'
houses for arranging details and for social
purposes.
The advantages of such an organization
are obvious. Habits of regular reading
are formed and strengthened, and mem-
bers are enabled to read more books than
some of them could or would buy. The
question of amusement and entertainment
is profitably settled for a good many even-
ings, and when the members meet they
have something to talk about to mutual
profit. Each receives benefit from the
literary taste and judgment of all the rest,
and the selections are likely to be worth
reading. The time spent in reading per-
sonal and political gossip, and the endless
details with which the daily papers are
filled, and which nobody remembers or
cares to remember — is put to a better use.
To any of our readers who would like to
try the experiment, and who have no plan,
we would recommend the following, which
they are at liberty to improve upon :
Talk up the subject among friends who
are mutually congenial until you get a
dozen who think favorably of it. Then
get them together and propose the fol-
lowing plan and rules : Agree upon a
dozen books (or as many as you have
members) to be bought. Let each sug-
gest one. The books ought to be such as
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THE NEW^-YORK ALMANAC,
few if any of the members have read.
Elect a hbrarian and a treasurer, and
depute them to buy the books and assess
the cost pro rata. Let them cover the
books with stout paper, and paste on the
outside a Hst of the members, arranged
with special reference to convenience of
delivery, and with blank spaces for record,
thus:
Names.
John Jones
Thomas Brown.
Eliza Johnson . .
Received. Delivered.
Also the following rules :
1. Books will be passed to members in
the order of their names as above.
2. Each member will record in ink
when a book is received and when deliv-
ered.
3. Books may not be retained longer
than two weeks.
4. When unable, for any reason, to
receive books, notify the preceding mem-
^ ber, and pass the book you have to the
^ member following. The time of ab-
sentees will be divided between inembers
next preceding and following, except
when the circuit of a book terminates
with an absentee, in that case it will be
allowed to the member preceding.
5. Books must be used carefully and
not marked in any way. Any member
desiring to make critical remarks may do
so on the paper cover, or on a leaf of
note-paper to be attached to the paper
cover on the inside.
6. The price of this book, after it has
made the circuit of the members, will be
$ (which is one-half the cost). Any
member wishing it will write his name
after the words " Sold to" below.
7. The fine for each violation of rules
2, 3 and 4 shall be ten cents.
Now let the librarian deliver a book to
each member, and the plan ought to run
itself for twenty-four weeks. At the end of
that time call a meeting. Let membeis
take and pay for such of the books as
they wish to buy at half the cost ; pay
their fines; and either sell the remaining
books at auction, or direct the librarian
to sell them if he can, or leave them in
his hands to be drawn as from an ordi-
nary library. Then select another list
and begin again. The time required by
the treasurer and librarian to get the new
lot into circulation will give an opportu-
nity to re-read volumes bought or left in
the librarian's hands.
Members will soon learn to keep an
eye out for new books and new editions
of old ones, and when meeting-time
comes around there will be no lack of
books to choose from. A club of twelve
members could add several magazines
without making the expense heavy, limit-
ing the time for their reading to five days.
They would then make the circuit in two
months.
What Books to Buy.
This depends so much upon what has
already been read, that little more can be
done than to name a considerable number
of good books, and leave the reader to
select from those he has not read. First,
then, let us call attention to the numerous
books issued in "series" — allowing that
form of the word to stand for a double
plural. The name of each series will %
serve, in some degree, as an index to the A
character of its volumes. The Appletons ,a,
publish "Primers" on Science, Litera- t
ture, History, Health, and Early Christian
Literature — which are not reading for
juveniles by any means. They aim to
embody in small compass and for a low
price about what the average reader cares
to know, or would get time to read, on
the subjects of which they treat. They
no doubt often furnish the stimulus and
direction for more extended reading.
The same house publish the "Interna-
tional Scientific Series " — pretty strong
meat — and the " Handy- Volume Series,"
from which some excellent selections
might be made. (See Nos. 6, 20, 22, 26,
29, 34, 36, 42, of the latter.) " Ancient,"
and " Foreign, Classics for English Read-
ers " (Lippincott), " Artist Biographies,"
the "Vest-Pocket Series," " Little Clas-
sics," "Poems of Places" (Houghton,
Osgood & Co.), the " True Life Series"
(Lee & Sheppard), "Epochs of Ancient
History," " Bric-a-BracSeries"(Scribner),
"Classical Writers," the "Half-Hour
Series," the " Franklin Square Library"
(Harpers), and " Popular Biographies of
American Authors" (Sheldon & Co.),
put one upon the track of a large number
of excellent works.
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33
The " People's Library," published by
the Harpers, contains one hundred vol-
umes, and is sold by H. W. Derby & Co.,
of Columbus, O., for $ioo, — about one-
third less than the retail price of the
books. The selections are good ; we
hardly know what we would have left out,
but we would like to add a few volumes
each of poetry, of historical fiction, of
American biography, and of novels and
essays by American authors. It would,
however, serve as an admirable beginning
for a Club, or Village, Library, and its
deficiencies might be easily supplied.
Some degree of proportion between the
various departments of literature ought to
be preserved in one's reading and buying
of books, and one ought to be continually
making incursions into new fields. At
the same time care should be taken not
to waste time upon worthless books.
Those who need advice about what to
read should never read any book unless
they have pretty good evidence that it is _
worth reading. There are more good
books in the world than any of us are ever
'^ likely to get time to read, so it is down-
^ right folly to read poor ones. Having
vSj put in a few necessary caveats, we proceed
* to give a brief list of books :
Bryant & Gay's History of the United
States, Higginson's Young Folks'' History
of the United States, the Federa/istyGreen's
History of the English People, Dickens'
Child'' s History of England, Yonge's
Parallel Histo?y of England and France,
Taine's Ancient Res^ime, Lanier's Boys'
Froissart, Baird's Rise of the Hugnenots
of France. In reading history historical
novels are a great help — they bring before
one, more vividly than sober history can, a
living picture of the time. Read, then,
with English history Bulwer's Harrold,
Scott's Pjanhoe, Kenilworth and Waverlyj
with French history Quentin Durward
(one might as well put down Scott's
novels entire as a part of his historical
reading), Dickens' Tale of Two Cities,
Mrs. Charles' Joan the Maid; with
American history, Holland's Bay Path,
Cooper's Pathfinder, Pilot, and Spy,
Irving's Knickerbockers New- York, Hale's
Man Without a Country, Eggleston's
Circuit Rider, Mrs. Stowe's Uncle Totn's
Cabin.
Emerson says : "There is no history,
properlyspeaking, only biography," there-
fore, biography should be read with what
k
purports to be history. Hughes' y^^r,?^
the Great, Shakspere's historical plays,
Froude's Thomas d Becket, Carlyle's
Cromwell, the Greville Mejnoirs, Tyer-
man's Life of Wesley, Pepy's Diary,
Macaulay's biographical essays, Goldwin
Smith's Three English Statesmen, and
Gladstone's Gleanings, will light up Eng-
lish history; and Irving's Washington,
Greene's Greene, Lossing's Eminent
Americans, Bigelow's F^'atiklin, Familiar
Letters of John and Abigail Adams, Par-
ton's Jackson, Curtis' Webster, Parton's
Greeley, and Arnold's Lincoln, will do
the same for history of the United States.
Higginson's Brief Biographies will shed
light on both. Other excellent biogra-
phies are Bunsen's Luther, Motley's Bar-
neveld, Boswell's Johnson (expurgated
edition), Spedding's Life and Times
of Bacon, Lockhart's Scott (for a brief
life of Scott, McLeod's or Mackenzie's)
and Napoleon, Irving's Columbits and
Goldsmith, Guizot's Corneille and His
Times, Stanley's Arnold, Trevelyan's
Macatilay, Memoir of Charles Kingsley,
Harvey's Reminiscences of Webster, ^
Fields' Yesterday with Authors, Busch's ^
Bismarck, Froude's Ccesar, Palfrey's Bart- ^
lett. Holmes' yJ/(5'//i?j/, Smiles' Stephensons. '
Smiles' Character 3.nd Self-Help are some-
times classed as biography, and are good,
however classed.
For poetry one may buy the worKS of
a few authors complete, and depend on
collections for specimens of the rest.
Field's and Whipple's Family Library of
British Poetry, and Coates' Fireside
Encyclopczdia of Poetry give a great deal
of the best poetry. Coates' Children's
Book of Poetry will please and educate the
y oun g. Dana's Household Book of Poetry,
Bryant's Library of Poetry and Song,
Emerson's Parfiassjis, Whittier's Songs of
Three Centuries, and Kendrick's Poetical
Favorites, are all good, and the three latter
are cheap, and of suitable size for a Book
Club. For Bryant, Longfellow, Lowell,
Whittier, Emerson, Tennyson, and Bayard
Taylor get the "Household Edition."
The "Chandos" Scotland Coleridge are
cheap and good, and Matthew Arnold's
Wordsworth supplies a long-felt want.
The "Chandos Classics" and "Poets" are
all good, except that the type of some
volumes is small. The "Golden Treasury
series" (Macmillan) contains many English
classics at a very low price ; and the
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THE NEW-YORK ALMANAC,
"Clarendon Press" editions of Milton,
Chancer, Spenser, and of separate plays of
Shakspere, are among the best. Hudson's
edition of the latter, included in "Anno-
tated English Classics" — another excel-
lent "Series" (Ginn & Heath) — maybe
easier to get, and is first-class.
For a brief, comprehensive view of Eng-
lish literature get Morley's First Sketch,
Brooks' Primer and Shaw's Manual;
for something more extended Chambers'
Cyclopccdia (of English Literature, not
the general Cyclopaedia) and Taine's
History, for English, and Tyler's History
for American, literature. For a periodical
to keep one posted on new books and
new editions of old ones, get the Literary
World. Whoever makes good use of his
cyclopsedia and literary periodical will
soon learn what he wants and where to
get it, but for those who may not have
either, we add the names of a few more
books, good for library or Reading Club.
" Student's edition" of most standard
histories ; Student's Whatelefs Bacon,
Morley's Spectator, Selden's Table Talk,
Carlyle's Heroes and Hero Worship-
ers, Landon's Imaginary Conve7'sations,
Lamb's Essays of Elia, Froude's Short
Studies on Great Subjects, De Ouincy's
Confessions of an Opium Eater, Whipple's
Essays and Reviews, Lowell's At my
Study IVindows and Among my Books,
Emerson's Essays (3 vols.). Holme's Au-
tocrat and Professor, Matthews' Getting
on ill the World, Eggleston's How to
Make a Living, "Titcomb's" Lettei's to
Young People, Holland's Gold Foil, Ir-
ving's Sketch-Book and Bracebridge Hall,
Stanley's Sinai and Palestine, Field's
Tra^iels Around the World (2 vols.),
Dickens' Pickwick, and David Copper-
feld, Thackeray's Newcomes and Henry
Esmond, Bulwer's Caxtons, Goldsmith's
Vicar of Wakefield, with Paul and Vir-
ginia (Porter & Coates), Jane Austen's
Pride and Prejudice, "George Eliot's"
Felix Holt and Middlemarch, Charlotte
Bronte's Jane Eyre, Mrs. Craik's Johjt
Halifax, Wilkie Collins' Woman in
White and Man and Wife, Hughes'
Tom Brown (at Rugby and Oxford),
Black's Princess of Thule, Disraeli's Lo-
thair, Hawthorne's House of Seven Gables,
Blithedale Romance, and Scarlet Letter,
Burrough's Winter Sunshine, Roe's Face
Illumined and A'night of the XlXth Cent-
ury, Abbott's Young Christian, Mrs.
Charles' A7//y Trevelyan, ChurcWs Stories
from Homer and Stories from Virgil.
i
*.
Industrial Statistics/
Domestic Exports.
THE following are the values of articles
exported from the United States during
the year ending June 30, 1879, where such
values exceeded one million dollars ; they are
arranged in the order of magnitude of value :
Bread and breadstuffs $210,355,528
Cotton, and manufactures of 173,158,200
Provisions 116,858,650
Mineral oil 40,305,249
Tobacco 28,215,240
Wood, and manufactures of 15,624,503
Iron and steel, and manufactures of. . 13,004,235
Live stock 11,487,754
Leather, and manufactures of 7,769,069
Sugar and molasses 7,118,673
Tallow 6,934,940
Furs and fur-skins 4,828,158
Oil cake 4,394,010
Drugs and chemicals 3,098,506
Agricultural implements 2,933,388
* For the documents from which most of these figures are derived we are indebted to the Bureau of Statistics,
Treasury Department.
t Articles produced in foreign countries, brought here, and then exported.
Copper, and manufactures of $2,933,205
Distilled spirits 2,673,241
Animal oil 2,648,834
Vegetable oils 2,497,694
Coal 2,319,398
Seeds 2,281,828
Naval stores 2,260,586
Spirits turpentine 2,045,673
Ordnance stores 1,966,689
Fruits 1,916,382
Hemp, and manufactures of 1,723,309
Sewing machines, and parts of 1,648,914
Quicksilver 1,418,331
Carriages, cars, and parts of 1,273,128
Manures 1,240,582
Hides and skins other than fur 1,171,523
Paper and stationery 1,117,677
Clocks, watches, and parts of 1,090,433
Total Domestic Exports 698,340,790
t Foreign Exports 12,098,651
Total Exports $710,439,441
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35
Imports.
The following are the values of articles
imported into the United States for the year
ending June 30, 1879, where such values
exceeded one million dollars ; they are arranged
in the order of magnitude of value :
Sugar and molasses $76,465,938
Coffee 47,356,819
Silk, and manufactures of 32,384,423
Wool, " " " 29,388,376
Drugs and chemicals 27,647,847
Cotton, and manufactures of 20,428,241
Hides and skins other than furs 15,959,017
Flax, and manufactures of 15,663,293
Tea 14,577,618
Tin, and manufactures of 12,513,864
Breadstuifs 10,614, ^73
Fruits and nufs 10,330,511
Iron and steel, and manufactures of. . 9,447,148
Leather, and manufactures of 7.556,854
Wood, " " '/ 6,257,746
India-rubber and gutta-percha 6,242,225
Wine, spirits and cordials 6,037,033
Provisions 5,920,896
Tobacco, and manufactures of 5,888,876
Jute, other grasses, and manuf of. . . 5,557,807
Furs, dressed and undressed 4,516,290
Fanc}' Goods 4,119,217
Earthen, stone, and china, ware 4,082,787
Precious stones 3,842,007
Glass and glass-ware 3,222,479
Buttons and button materials 3,197,070
Paper materials 3,196,243
Animals, living 2,794,129
Manufactures of straw and palm-leaf. . 2,568,679
Books, engravings, etc 2,057,125
Seeds 1,991,560
Hemp, and manufactures of 1,936,669
Spices, ginger, mustard, etc 1,824,171
Salt 1,776,741
Coal, bituminous 1,724,466
Dye-woods, in sticks 1,406,179
Cocoa and chicory 1,260,860
Paper, and manufactures of 1,186,382
Clothing, except silk and hosiery. . . . 1,171,296
Paintings, statuary, etc 1,074,907
Total Imports 445.777.775
Exports exceeded Imports 264,661,666
Gold and Silver exported 24,997,441
" " " imported 20,296,000
Exports exceeded Imports $4,701,441
During the thirty years ending June 30, 1878,
movements of merchandise and the precious
metals were as follows :
EXPORTS :
Merchandise $9,662,367,427
Gold and Silver 1,736,005,451
Total $11,398,372,878
IMPORTS :
Merchandise $10,716,138,213
Gold and Silver 469,801,090
Total $11,185,939,303
The exports of merchandise exceeded the
imports in only six of these years ('58, '62, '74,
'76-8), but the exports of gold and silver
exceeded the imports in every year but two
('49 and '61). The largest excess was in 1864,
when it reached $92,280,929. In 1878 it fell
to $3,918,811 ; in 1879 it was $4,701,441, while
the first four months of the year ending June
30, 1880, have shown a large excess of imports
of the precious metals. The exports of mer-
chandise for the year 1879 were the largest in
the history of the country. The excess of
exports of all kinds for the two years ending
June 30, 1879, exceeded the imports for the
same period by $531,096,152. This balance
probably indicates, with some degree of accu-
racy, the reduction of the amount of United
States bonds held abroad.
The number of alien passengers arrived in
the United States between October i, 1819, and
December 31, 1877, was 9,625,475, of which
2,916,654 were from Germany, and 4,563,447
from the British Isles. Over three millions of
the latter were from Ireland, though for the
last seven years there were more from England
than from Ireland. The number of immigrants
from 1789 to 1820 is estimated at 250,000, mak-
ing a total of about ten millions since the adop-
tion of the Constitution. The number arrising
and not intending to remain has averaged
over 16,000 per year since 1868. The largest
number received in any one year was 449,483
(1872) ; the smallest number was 6,354 (1823).
The number reached 100,000 in 1842, and has
fallen below that number in only five years
since ('43, '44, '50, '61-62). The rate has fallen
off rapidly since 1872, being only 157,776 in
1878.
The entire value of any product of the
country is of course not indicated by the value
of that portion of it which is exported, as some
are largely consumed at home. The following
table shows the average annual home values of
some of the chief agricultural products of the
country for the last ten years :
Corn $525,211,602
Wheat 301,481,540
Hay 300,000,000
Cotton 260,000,000
Oats 116,810,592
Barley 25,385,489
Rye 15,091,207
Buckwheat 9,204,801
The following are estimates of values for
1879:
Corn $410,000,000
Wheat 400,000,000
Beef 270,000,000
Cotton 270,000,000
Pork 250,000,000
Butter ~. 170,000,000
Cheese and milk 130,000,000
Gold and silver 80,000,000
Tobacco 47,000,000
*
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Healthful Homes.
WE condense from a publication of the New
Jersey State Board of Health the follow-
ing directions for avoiding many diseases which
not only afflict individuals, but which are liable
to become epidemic :
I. Loo/; to the Condition of your House. —
Begin at the cellar or basement. Have nothing
there that can decay or that causes foul odors.
If damp, let in air or sunlight, or drain the
surroundings, if needed. If by cleansing, by
whitewash, or by repeated airing there is not
agreeable air, speedily use some of the disin-
fectants recommended.
II. Look to the ICitchen. — Let all sinks be
kept sweet by scrubbing, by hot water poured
down each day, or by use of disinfectants, if
needed. If outside there is an opening to the
air, so that the kitchen sink is not the chief
air-outlet to a cesspool or sewer, so much the
better. Be careful that all slops or offal from
kitchen or laundry work be soon conveyed away
or disinfected at once, and not made to become
a part of any heap or mass of impure matter.
%. Such things rapidly vitiate air, and discomfort,
sickness, or death results. Dirty water of any
kind is even worse than dry filth. Secure
^J cleanliness if you would secure health.
III. Llave the Dwelling and Sleeping Rooms
well Aired each Day. — Closed closets, unshaken
bed-clothing, windows closed and curtains down
will not secure rooms fit to live in or sleep in.
Flush the room with air, and let this, with
sweeping and dusting, remove the organic par-
ticles, which otherwise constantly accumulate
and cause foulness. Chamber-slops and wash-
water are very innocent if cared for within six
hours ; but soon after decompose, and in sick-
ness or very hot weather sometimes sooner.
If there are water-closets or stationary wash-
basins in your house, be sure that they are not
the foul-air inlets to outside cesspools or sew-
ers. Have good traps, good outside ventila-
tion, good caution as to smells, and use disin-
fectants for temporary purposes until you can
remedy radical defects. Look to unoccupied
rooms and the attic, so that all may be dried
and well aired, and that you may secure as
much coolness and ventilation above you as
possible, and not have an unventilated hot-air
chamber near the roof.
IV. Know as far as you can that your Water
and Lcc Supply is Pure. — Use no water from
wells where surface soil is foul or where or-
ganic matter can reach, or from cisterns ex-
posed to foul air, as water will absorb foulness.
If the water has any odor while heating in a
glass tube, or if it becomes turbid or emits odor
on being shaken, after being kept a day in a
long glass bottle half full and corked, at once
suspect it. If you must use it, have it boiled,
and when cool air it by pouring from one
pitcher to another, and use it thus until you
can be satisfied as to its purity.
V. See that the Food supplied for your Fa;n-
ily is in proper condition before cooking, and
that it is prepared in a wholesome way.
VI. Look to the Out-door Part of your Home,
and see that it is kept in Proper Order, that
no Water or Decomposing Matters are tJiro^un
upon it.
If there is a cesspool, it must not smell,
where it is disconnected with the house or has
access to the air. If it does, it must be disin-
fected until radical change can be made. If
there is an ordinary out-door privy, have free
access of air to it and exclusion of all slop or
rain-water from it. If there is odor from it,
use odorless disinfectants until it is corrected.
If too foul for use, cover it over with "calx
powder" and have under the seats some recep-
tacle— such as the patent pail or a half-barrel
or tub — which can be frequently removed and
alternately replaced by another. A privy built 4f-
above ground, with water-tight receptacle, by X
the use of dry earth, powdered wood-charcoal, T
dry sifted ashes, and occasional copperas-water, ^
is easily kept neat and clean, if cleansed each
spring and fall.
Country homes need inspection and circum-
spection. Their sanitary care is often greatly
neglected by nice people.
VII. Insist that your Town, if yoti live in
one, have thorough Sanitary Inspection.
Where persons are housed closely to each
other, there cannot but be evils, from which the
community has a right to be protected, and yet
from which each one cannot protect himself.
There will be householders who, from thought-
lessness, ignorance, or poverty, do not secure
for themselves or for others the needed sanitary
conditions. Charity, the public welfare, and
the necessary incidents of city life require regu-
lated and definite provision against all those
nuisances which imperil the life and health of
the populace. Insist upon systematic preven-
tion, instead of waiting for that loss which dis-
ease always involves when it is artificial or
when we are compelled to meet an epidemic
hurriedly. If your authorities do not act, move
by voluntary associations, which shall exhibit
the facts and so compel action.
There is no waste so great as that of prevent-
able disease, which disables not only the suf-
ferers, but puts a tax on labor, capital, and life
much more direful than a well-directed expen-
diture to prevent it. Epidemics are to be
dreaded; but our greatest losses are from a
chronic death and sickness rate, which has a
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permanent base of supply in prevalent unsani-
tai-y conditions, not prevented, not remedied, as
they should be and can be. Public health is
common wealth. Invalidism means hard times.
DISINFECTANTS, AND HOW TO USE THEM.
Drafts of air for all floating foulness ; dry
rubbing for all easily detached foulness ; wiping
and v/ater scrubbing for all attached foulness,
in most cases admit of no effective substitution.
Submersion in boiling water is applicable to
the cleansing of all garments, utensils, etc.,
admitting of such a method ; and dry boihng
heat or freezing cold will also neutralize infect-
ive particles.
Chloride of Lime. — A valuable disinfectant,
chiefly because it contains from 30 to 35 per
cent, of chlorine, which is liberated under
proper methods of use.
It needs slight moistening, frequent stirring,
and sometimes the addition of an acid, as vine-
gar or common spirits of salt. The test of its
efiiciency is that the odor of it be kept con-
stantly perceptible.
Chlorinated Soda, usually known as Labar-
raque's Solution, is a convenient liquid prep-
aration, valuable for use in saucers in the
sick-room or in utensils. Its odor should be
perceptible to strangers entering.
^ Livie, Plaster, Charcoal, Dry Earth, Sifted
J, Ashes. — All these have value, chiefly to be
■T tested by the rapidity with which they correct
^h odors. Fresh-slaked lime should be scattered
in all places of foul odor. It or charcoal or
plaster may be scattered over heaps emitting
foul odors. Calx powder is made by pounding
one bushel of dry, fresh charcoal and two bush-
els of stone lime and mixing them, and is of
great practical use. All these substances ab-
sorb foul gases and dry up moisture, and so
help to retard decomposition or else absorb its
results. Where lump charcoal is used, it may
be refitted for use by reheating it. Quicldime
and ground plaster should not be used where
they may be washed into pipes and form lime-
soap or obstruct by hardening.
The Metallic Disinfectajtts. — Sulphate of
iron (copperas or gi-een vitriol), two pounds to
a gallon of water, to be sprinkled freely in
drains, cesspools, privy closets, soiled vessels,
or heaps of decaying matter which cannot be
removed at once. One-half of the strength
will do where it is to stand in contact with sur-
faces or in spittoons, water-closets, house-ves-
sels, or vaults.
One-half pound of sulphate of iron (green
vitriol), or one ounce of sulphate of zinc (white
vitriol), or one ounce of sulphate of copper
(blue vitriol), or one ounce of chloride of zinc
(butter of zinc), or one ounce of chloride of
lime (bleaching powder), put to a quart of
water — any one of these is available for neu-
tralizing discharges or for sinks, used in quan-
tities sufficient to cover the bulk they are in-
tended to disinfect.
Soiled garments may be put to soak in a half
pound of sulphate of zinc (white vitriol) to
three gallons of water. It will not stain or
discolor most fabrics. One ounce of chloride
of lead dissolved in a pint of hot water, and
then a pailful of water added into which a
handful of common salt has been thrown, serves
a similar purpose. Also a half ounce of per-
manganate of potash to a gallon of water.
For washing, soiled garments should be put
in boiling water, unless the character of the
fabric forbids it. Powdered borax, one-quarter
of a pound to a gallon of water, is a good
cleanser of clothing. Soiled hair, brushes, etc.,
are cleansed by it. Chloride of zinc, one-
quarter of a pound to a gallon of water, does
not stain or discolor fabrics.
Parkes recommends two ounces of chloride
of lime, or one ounce of sulphate of zinc, or
one-half of a fluid ounce of chloride of zinc to
be added to each gallon of the boiling water in
which the garments are thrown. On clothing
that cannot be washed and does not need to be
burned, after thorough shaking and airing, the
sulphate of zinc or chloride of zinc solution
may be sprinkled.
For general disinfection the following com-
pound is available and valuable, and far better
than most of the patented articles offered :
Sulphate of iron (copperas), forty pounds ;
sulphate of lime (gypsum or plaster), fifty
pounds ; sulphate of zinc (white vitriol), seven
pounds ; powdered charcoal, two pounds. Mix
well and scatter dry, or wet it in small quanti-
ties and make into balls ready for use. Where
a liquid is needed, stir in water in the propor-
tion of a pound of the powder or ball to a gal-
lon of water, and sprinkle where needed.
Carbolic Acid is valuable as an out-door dis-
infectant, to be added to the sulphate-of-iron
solution or used separately. Because of its
own odor, we cannot well test its effect in cor-
recting other smells. We would test speci-
mens, or use only Squibbs's Liquid, No. I, be-
cause sure of its strength, to be diluted by
adding from fifty to one hundred parts of water,
according to the mode of its employment. It
is seldom required, if the other articles named
are properly used. Carbohc acid and chloride
of lime must not be used together.
Remember that we do not know that any
chemical disiiifectants destroy the germs of a
disease. They only neutralize or suspend the
action of those artificial disease-producers or
fertilizers which the bad administration of cities,
or householdei's, or interference with natural
laws, or neglect of cleanliness has provided.
We are to rely on these palliatives or correct-
ives only while we are preparing for radical
methods of prevention.
N. B. — The only reason why the death rate
of your city or your township is over' 15 to the
1,000, or why the sickness and invalid rate is a
large multiple of this, is because you are the
victims of nuisances which admit of abatement.
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38 THE NEW-YORK ALMANAC,
A Prelude to "Life Insurance Topics."
A Great Principle Recognized.
At the last session of the New-York Legislature a law was passed entitled,
" An Act to protect the rights of policy-holders in life insurance companies,"
which recognizes and approves the non-forfeiture principles enunciated by the New-
YORK Life Insurance Company more than nineteen years ago.
In the early days of life insurance it was a part of the contract between insurer
and insured that, in case of failure to pay premiums when due, all payments
made upon the policy should be forfeited to the company. This was the general
practice up to i860, when the New-York Life fnade a " neTU departure" by origi-
nating and i)itroducing its non-forfeitable Ten- Payment Life Policy. The Compan)-
soon extended the non-forfeiture provisions to its other policies, taking care, in
so doing, not only to be just to policy-holders who discontinued the payment of
premiums, but also to protect those who kept up their policies. Those who withdrew
from the Company and those who remained were both vitally interested, and the
claims of both were carefully considered and equitably adjusted.
x Now, after many unsuccessful attempts, and as the result of much public dis-
^ cussion, a law has been placed upon the statute books, making it obligatory upon
)|j every life company, organized or incorporated under the laws of the State, to grant
certain non-forfeiture benefits, unless the provisions of this act are specifically waived
in the application and notice of the same written or printed upon the policy.
Laws are for those who need restraint, and if this law will prevent any life
company from taking an unfair advantage of its policy-holders it is a good thing ;
but it is significant that, while the law approves the principle upon which the
New-York Life has acted so long, it is far less liberal in its application to many
classes of policies— notably those paid tip by a limited number of premiums — than
the terms which this Company has for many years freely granted. The paid-up
insurance granted by the New-York Life upon the surrender of Limited Pay-
ment Policies is greater, in some cases by twenty-five per cent., than would be
secured under the law. The New-York Life, therefore, while always granting
as much as the law requires, will in some cases, as heretofore, grant to its patrons
more valuable contracts than the law requires to be given.
Particular attention is called to the fact, that the law as well as the Company's
contracts require the original policy to be surrendered and demand to be made for
paid-up insurance within six months after lapse, in order to prevent absolute for-
feiture ; also that such paid-up insurance does not participate in profits. This is a reason-
able requirement, and is necessary in order that a company may know where it stands,
what policies will ultimately become claims against it, and when they will mature.
Another notable legal safeguard of policy-holders is the law regulating the
amount of a life company's reserve fund, and on this point the New- York Life
both anticipated the law and adopted a standard which keeps its reserv^e fund much
larger than the law requires. See page 47.
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THE NEV\r-YORK ALMANAC,
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39
Life Insurance Topics.
Desired Results Made Sure.
THE purposes which men cherish regarding
the ultimate resuUs of business ventures,
and tliose regarding the future welfare of their
families, may all be placed upon a surer
foundation, and the risk of failure largely-
diminished by Life Insurance. No matter how
moderate or how great a man's ambition may
be, if he wishes to make stire of what he does
want he ought to insure his life. All for which
a man would labor if he continued to live is
in danger of being utterly lost by his death,
unless his family and his estate are thus pro-
tected.
To the rich, and the prosperous man. Endow-
ment, Tontine, and Annuity Policies, as issued
by the New-York Life Insurance Company,
Jl offer superior advantages as investments,
secure from the dangers which attend other
investments, and maturing under such circum-
^h stances as to render them corrective of possible
losses in other directions. By these policies a
man of large present means may secure, to any
person or institution, (i) a stated income dur-
ing the life-time of the person upon whose
life the policy is issued, (2) the payment of
a certain sum at a stated time, (3) the payment
of a stated sum at the death of the insured,
or, a7iy combination of these advantages that
may be desired. It will be seen that, by such
an investment, a man may reduce to the mini-
mum the dangers which attend the care of
property and the welfare of dependents, and
may render their pecuniary future as near
absolutely secure as human wisdom can make it.
To the man in moderate circumstances, to
professional and business men generally, whose
capital is mostly invested in business, or whose
chief reliance is their incomes, hfe insurance
is indispensable, if they would have their hands
free, and their anxieties concerning the future
of their families entirely relieved. Such men
can easily pay the annual premiums on an
amount of life insurance which would be an
ample provision for their families, and thus
make sure that their life work Avill be accom-
plished by their own instrumentality, even
though they should not themselves hve to see
its full fruition.
To the great mass of workers, whose ambi-
tions and hopes are largely centered in their
famihes, and whose only, or chief, reliance is
their wages, life insurance is a necessity, if
they would not run the terrible risk of failing
in that for which they are spending without
stint, and without regret, the best energies of
their lives. The amount of a life policy taken
at age twenty-five is more than fifty times as
g7-eat as the annual premium which is to be
paid thereon, thus enabling the poor man to
create for his family a capital instantaneously,
in case his own strength fail in the arduous
and noble ^^'ork in which he is engaged. The
slow process of sa\ang cannot cover the risk
to which a man's dearest interests are exposed 4
during the long years through which it must
go on. ^Vhat is needed is security for to-day
and to-morrow, and next week and next year, ^^
and this nothing but life insurance ean give.
In short, -whether a man be rich or poor, or
in moderate circumstances, hfe insurance offers
to him the advantages of security against those
possible calamities which beset every path.
And these sad possibilities are constantly be-
coming certainties in the lives of thousands.
Fate is not so ironical as to grant long life to
all who insure, as the records of every hfe
company abundantly testify. During the year
1878 the New York Life paid claims upon
the lives of twenty-four persons who died within-
less thaii a year after insuring, and the sums
paid on their policies amounted to over one
hundred thousand doUars. The death-claims
paid by the New-York Life during 1879
show that, taken as a class, the families of
men who die insured are very largely profited
by hfe insurance [see " Life Insurance Phe-
nomena " column on Calendar pages], while
many individual cases occur in which the gain
is only surpassed by the magnitude of the loss
and sorrow which were inevitable, yet which
made such gain possible by means of life in-
surance.
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40
THE NEW-YORK ALMANAC,
Tlie Work of a Single Year.
THE Report of the New- York Insurance
Department gives the following fig-
ures for the thirty-four life companies doing
business in the state January I, 1879 :
Condition.
Policies in Force 612,843
Insurance in Force $1,480,921,223
Liabilities 339,585,626
Gross Assets 404,079,144
Surplus 64,493,518
Business, 1878.
Policies Issued 67,040
Amount Insured $156,501,129
Policies Terminated 87,222
Insurance Terminated $231,291,618
Received, Premiums 571236,335
" Interest, etc 23,126,664
Paid, Losses and Claims 29,153,225
" for Surrendered Policies 17,095,994
" Dividends 14,637,449
" Expenses and Taxes 11,241,400
Summary.
Assets for each $100 Liabilities $118.98
Received from Policy-holders $571236,335
Paid to Policy-holders 60,886,668
Total Receipts 80,462,999
Total Expenditures 72,128,069
Decrease in Policies 20,182
Decrease in Insurance 74,790,489
Increase in Assets 7,658,554
Increase in Surplus 2,889,420
We have not suppressed those figures which
might, at first thought, be considered unfavor-
able, viz. : those showing the large amount of
insurance terminated and the decrease in the
gross amount held. But when a community
consumes less breadstuffs than usual we do not
attribute it to failing appetites, nor to loss of
faith in the nourishing qualities of food, but to
that fo7xed economy that pinches everywhere.
The seventeen million dollars received for sur-
rendered policies shows that the money that
had been paid on them was not lost, but,
having carried a large amount of insurance in
the past, was, in large proportion, still available
for policy-holders' needs, either in cash or in
paid-up insurance. The flexibility of the
system — its adaptation to the changing needs
of insurers — is thus forcibly illustrated, for it
will be noted that policy-holders received more
than they paid to the companies by over three
and a half million dollars.
The figures for which we look with greatest
interest are naturally those which represent the
amounts paid to those persons for whose special
benefit life insurance companies are organized
and maintained. This amount was over twenty-
nine million dollars, of which nearly twenty
millions was paid to the widows, orphans, and
other representatives of men -who died insured.
The balance was paid in endowments and
annuities. The amount paid in death-claims
was divided among nearly seven tliousand
families, who tlierefore received, on an average,
about three thousand dollars each. That no
other twenty million dollars disbursed in this
country during the same period came more
opportunely to the recipients we may well
believe. True, no money could restore the
light that had gone out in these seven thousand
homes, but it doubtless did all that could be
done to relieve the darkness and make life
tolerable to the li\dng.
The figures above given show the business,
as a whole, to be upon a firm foundation, the
surplus amounting to nearly nineteen per cent.
of the liabilities. They also show an increase
of nearly three million dollars in surplus over
the figures of the previous year, and a net
increase of nearly eight millions in the total
assets. The year 1878 shows a favorable
change in this respect. The gross assets, of
companies doing business in the state, steadily
increased from twenty million dollars in 1859,
to four hundred and seven millions in 1876.
In 1877 the amount fell to three hundred and
ninety-six millions ; but ^\'ith 1878 the upward
tendency again began, and, with the revival of
business, may be expected to continue.
Nothing could more forcibly illustrate the
almost universal need of life insurance than the
immense sums annually paid to secure its pro-
tection; but to realize the measure of its
benefits one must task his imagination to con-
sider what it does and what it saves in a single
family, and then multiply that by the thousands
who are thus annually ministered to through
the same channel.
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THE NEW-YORK ALMANAC.
41
If I Live.
IF a man lives and has his health he can do a
great many tilings for himself, a great many
for his family. He can secure a home which
shall be the dearest place on earth, where his
children shall be nurtured in virtue, and shielded
from the ills of life which they are not able to
bear. //~ he lives, around this home may gather
the most delightful associations. Here, the
wife of his youth, since she must grow old,
may grow old gracefully, filling up the cup of
wifehood and motherhood, and making the
home a sacred refuge to which all the family
shall turn with glad and longing hearts. And
when the children go out from it, one by one,
to make homes for themselves, the remem-
brance of their father's house shall be a per-
petual comfort and inspiration, and to it they
will return gladly and often, to share their joys
with those who gave them being.
All this may h^ if a nian lives. But if he
dies ? It is difficult to forecast the future ; it
> is so painful also to reflect what, in all proba-
* bility, it will be for the family of a man who
^ dies and leaves but little property for their
support, that one may well shrink from it. The
American people are coming to see more and
more, that even in a country so rich as this,
" hard times " will come, and that hard times
mean it is difficult for men to get a living for
themselves and families. So that, if a man
lives, his family are not likely to have any too
much — any too good a home, nor too many
books, pictures, or educational advantages.
But if a man dies young, or before his chil-
dren are grown, and leaves them without the
means of support and culture during their
tender years, how dismal the prospect before
them ! How gloomy the outlook must be to
the wife and mother who remembers the econ-
omy necessary with her husband's income, and
now knows that they must live -wiihont it !
How many hours will she hide a despairing
heart by a smiling face, lest the children learn
too soon how terrible a thing it is to be poor !
How fast her hair will grow gray, and how
soon the wrinkles will come, — she who was but
yesterday a bride, — and when she should be
enjoying the lovely afternoon of life, lo, the
children will be alone !
Better make the future of your family se-
cure, whether you live to enjoy it with them or
not, by taking a life policy now while you are
alive and in good health. Now you are master
of the ship and stand at the helm, you can
point her to a safe harbor and lash the rudder
fast, if yoti will. The man who insures his
life discounts in advance that tremendous IF
which threatens the happiness of his family;
he renders it impossible that his own death
should bring irredeemable disaster upon his
wife and children. Life insurance appeals to
every sentiment of love and honor and manli-
ness, and leaves the man who neglects so sa-
cred a duty hardly the shadow of an excuse.
The best intentions will not save one from
either remorse or contumely unless they are
accompanied with actions equally wise and
good.
Advantages of Insuring
Young.
i
AYO UNG man ought to have his life insured X
for the benefit of those objects _/»r which ^
he is earnijtg and saving money, whether he is v
young or old, married or unmarried. If he is
helping to support parents or sisters, then his
death would be a serious loss to them — he
ought to have his life insured for their benefit.
Or, if the objects for which he earns and saves
money are liable to frequent change, his policy
may be in favor of himself, and he may make
a will which can be changed as often as these
objects change. If he is only laying up money
for himself, and never expects to marry, then
by all means let him divide his savings, putting
a part into endowment insurance and a part at
interest. The chances are that he will neglect
to save permanently for old age unless he puts
some of his money where it is not easy to get
it again without carrying out the plan chosen
when his head was clear and his courage high.
By insuring young one may get a pohcy
partly paid up before the increased expenses of
married life have to be provided for. Suppose,
for example, a man insures as soon as he is
twenty-one. At thirty-one he may have a Ten-
Payment Life Policy paid up and beyond all
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42
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THE NEW-YORK ALMANAC,
clanger of lapse on account of inability to pay
future premiums. Many young men hesitate
to marry, even when they are receiving good
wages, because they have no estate to leave a
family in case of death, and if they insure they
fear they might fail to keep up their policies.
If such men had paid-up insurance, would not
that solve the difficulty ?
Suppose a man insures on the life plan at
age twenty-five, and does not marry for five
years. The money it has cost him might not
have been saved had he not insured ; he has
had insurance for five years, and now has //w
privilege of contitiuing it as lo7ig as he lives
with annual premiums about twelve per cent,
lower than a man of the same age who insures
now. Has not this reduction been bought
cheaply, and was it not worth buying ? A man
has not " saved a year's premium" wlien he has
gone without insurance a year. It actually
requires more money to pay the premiums on
an ordinary life policy for $i,ooo taken at age
forty than on one taken at age twenty-five, if
^s both men live out their expectation. The
amounts paid would be $882.66 and $771.73
respectively. Protection for one's whole life-
time costs less money paid out than protection
for the latter part of it taken alone.
A vian r:ins less risk of being rejected by
the medical examiner when young — which is a
much more serious matter than many suppose.
Many more men, who are accounted healthy,
are uninsurable than most people are aware of.
They are men who neglected to insure until
they had families, — till they needed insurance,
as they said, — and they waited too long. Now
no first-class company will accept them, and
they must live without insurance, but with the
consciousness that they need it more than men
who are taking it.
The sum of the matter is, if a man is worth
anything, to himself or to anybody else, he
ought to be insured. And he ought to insure
AT ONCE, the peculiarity of insurance being that
as soon as it appears to be needed — as soon as
the danger against which it provides threatejis
a man — then it cannot be obtained.
Wliicli One Meets Your
Wants ?
A THING is good when it is adapted to the
purpose for which it is to be used.
Different kinds of life insurance policies may
be equally good, considered abstractly, but
they may not be equally advantageous to any
one man. Let us see.
An Ordinary Life Policy secures to the
person or persons named therein as benefi-
ciaries the amount of the policy on the death of
the insured. It requires the payment of pre-
miums annually until that time. The annual
dividends may, in the New-York Life, be
used in the settlement of premiums, or they
may be made to increase the amount of the
policy. The premium rates are the lowest in
use, and the policy is exchangeable for a paid-
up policy of proportionate amount, without
participation in profits, if surrendered in ac-
cordance with its terms, after three annual pay-
ments have been paid. By this policy a man Y
may get a good deal of insurance for a small T
annual outlay. Does this fiieet your wants? ^
A Limited Payment Life Policy differs
from the above only in this : ( 1 ) that only a
limited number of payments are required, this
number being fixed upon at the time of insur-
ing; (2) the premiums are higher. The policy
is also exchangeable for a paid-up policy of pro-
portionate amount, without participation in
profits, if surrendered in accordance with its
terms, after the payment of three annual pre-
miums. This policy may therefore be paid up
during a man's productive years ; and should
he live until after the policy is paid up, the
annual dividends would afford him an income
in cash, or would continue to add to the
amount of insurance. Does this 7neet your
wants ?
An Endowment Policy provides (i)
insurance during a certain period fixed upon
at the time of insuring, payable, like any other
insurance, at the death of the insured, should
he die within the period ; or (2) an endow-
ment, of the same amount as the insurance,
payable at the end of the period, if the insured
survive until that time. The premium rates
depend upon the lengtli of the period of insur-
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THE NE^W-YORK ALMANAC,
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43
ance, and the policy is exchangeable foi' a paid-
up policy, of proportionate amount, without
participation in profits, if surrendered in ac-
cordance with its terms, after the payment of
three annual premiums. This enables a man
to provide for his children should he die in
their childhood, and for himself should he live
to old age. Does this meet your wants ?
By reference to page 45 the reader will see
that the cost of a policy, for several thousand
dollars, would be no gi-eat tax upon him while
he lives compared with the benefit the policy
would be to his family when he dies.
Life Insurance Rates.
LIFE insurance costs money. Men insure
because they want money paid to their
families some time, and the whole body of policy-
holders must provide the money to be so paid.
No jugglery of plans can make money — make
something out of nothing. The money to be
paid out must be first paid in. True, part of
J the money paid early in life, when the mortality
T rate is low, is kept on interest, and the receipts
^ from interest by life companies are large. But
these are taken into account in fixing the rates,
and the result is seen in the small proportion
which the annual premiums on life policies for
younp' men bear to the amount insured.
The death-claims which a company will be
called upon to pay depend solely upon the
vitality of the persons insured, and this vitality
will depend upon the precautions taken to get
healthy men in and keep them in. The only
other element which enters into the cost of
insurance is the expense of managing the
business, and changing the rates will not
change the expense of carrying on the
business. Certainly, a complicated plan will
not make the expense less. The more compli-
cated a machine of any kind the more power is
lost in friction. Machines do not create power
— just as plans do not create value — they are
only channels through which it operates.
Having, then, death-losses and expenses to
provide for, how shall a company fix upon
equitable rates ? As neither can be fixed with
exactness beforehand, the only method is to fix
upon such as experience shows will be adequate,
and then, if there is anything left, after death
t
has done its work and the expenses of manage-
ment have been paid, place it to the credit of
the insured. This is both just and safe ; this
is what the plan of a purely mutual company
requires; this is what the New- York Life
does. It is just because it gives insurance to
every one at its cost; it is safe because it
ascej'tains the cost before promising to furnisli
the insurance at less than it is sure it can be
furnished at ; it is required by a purely mutual
company's plan, because such a plan promises
the equal and equitable treatment of all its
members ; it is done by the New-York Life
because it commends itself to every man's sense
of justice and prudence, and because that is the
agreement which a purely mutual company
makes when it insures a man.
It is sometimes asked why a company that
pays large dividends annually, like the New-
York Life, does not reduce its rates. " Why
require a man to pay you $100 and then give
him back $25 or $30? Why not agree to
take $70 or $75 ? " some will ask. For the
very good reason that the Company does not
certainly know until the end of the year whether T
$70 or $75 will be sufficient or not. As to %
requiring the payment of the full premium and
then paying back the dividend — no one who
knows anything about the matter should make
so absurd a remark. If a man owes you $100
and you owe him $25, you do not require him to
hand you $100 and then hand him back $25 —
you simply strike a balance and require the
balance to be paid — although a record of the
transaction would show the two sums paid.
Well, the New-York Life uses the same com-
mon sense in its business transactions.
It is a characteristic of good things that their
opposites are bad, and it is a fundamental ele-
ment, in a contract involving mutual obliga-
tions and benefits, that you cannot add to the
benefits of one party to the contract without
adding to the burdens of the other. In a
purely mutual life company you cannot give
more than is due to one member, without giv-
ing less than is due to others ; in such a com-
pany, faithfully administered, a man cannot
pay more than the actual cost of insurance, and
such a company cannot, without violating its
principles and endangering its existence, fur-
nish insurance for less.
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44
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THE NEW-YORK ALMANAC,
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The Cost of Insurance.
WE give on the opposite page tables show-
ing the maximum annual cost in the
New-York Life of $i,ooo insurance in
several different forms of policy. The Com-
pany htviv^ purely mutual, as well as old, large
and prosperous, this nominal cost is largely
reduced every year after the first by dividends,
unless the dividends are otherwise applied at
the policy-holder's request.
The amounts given in Table I are to be paid
every year until the policy becomes due, either
by the death of the person insured or by the
expiration of the time designated at the head
of the column from which the rate is taken.
The dividends that accrue from year to year
may be applied to reducing the amount actually
to be paid, or to increasing the amount of the
policy, as the policy-holder may elect.
The amounts in Table 2 are to be paid every
year for ten years, and the insurance is pay-
able, as in the other case, at the time indicated
J at the head of the column from which the rate
Y is taken. In both cases the insured partic-
■^ ipates in the profits of the Company until the
policy becomes due ; and where the premiums
are paid according to Table 2, if the insured
survives the ten years, the dividends are paid
him in cash, or by increasing the amount of his
insurance, as he may elect.
Rates for all desirable forms of policies will
be furnished on application to the Company
or its agents. Policies may be issued with
premiums payable semi-annually or quarterly,
if desired.
For the purpose of showing the difference in
the security given to one's family by life insur-
ance and that given by money at interest, we
have prepared Table 3, taking the life rates at
an age when most men have families. Of
course at a younger age the contrast would be
still more favorable for insurance. The same
would be true also were any allowance made
for dividends, which in the New-York Life
are declared and paid every year after the first,
on all ordinary policies. The Table shows the
amounts that would be received should death
occur immediately after the beginning of the
year, and the number of deaths per year among
1,000 men at each age.
Endowment Policies.
FOR any man who can afford to pay for the
advantages of Endowment Policies, they
are the best kind to take. We make a proviso,
because if a man can spare but a small sum
of money each year, and needs considerable
insurance, the Whole Life Pohcy may be best
for him. Because, as the proceeds of a life
policy will probably be more needed if the
man dies than the proceeds of an endowTnent
policy will if he lives, by so much, therefore,
should a man secure all he needs of insurance
proper for his family before buying an endow-
ment for himself.
It is not generally borne in mind that by an
endowment policy one insures, secures, makes
sure of—z. provision for his family in case of
his early death, and also provision for himself
in case he lives to old age. But it is true. If
a man were sure of living to old age, he might
need no insurance for his family's sake, but he
would still need endowment for liis own sake.
He is no more sure of acquiring and keeping
a competence than he is of hving until his fam-
ily are self-supporting. And being sure of
neither, it is wise and prudent to provide for
both while he can.
And "while he can," is now while he can
pay the premiums on an ample endowment
policy. And a man with that power in his
hands — what hinders him and his from having
an abundance always, if he 7ises his power to
procure it? If one were sure of living to
provide for his family, he might say I can put
my money at interest, and so have it for my
old age. But he will lack the incentive to do
this which he has for paying the premiums on
an endowment policy. The investment being
for himself, he will feel perfectly at liberty to
change it, to speculate on his money, or to
discontinue it altogether, as whim and fancy
may dictate. But by taking an endowment
policy he links his own interests with the
interests of those very dear to him, and which
he will not be so apt to neglect or trifle with.
Endowment insurance therefore secures to
one's family all the inestimable blessings of life
insurance proper, and is also an insurance
against a man's neglect of his own far-off weak-
ness, and inability to contend with the ills of
-<^-*-^^
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-()-»-
THE NEW-YORK ALMANAC.
45
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46
"•^
THE NEVsT-YORK ALMANAC,
<)-»-
life. The great longevity of annuitants has
often been remarked, and the fact has done
much to establish belief in the proverb that
"Care kills more men than labor." No one
ought to " rust out," and no one ought to
"wear out" prematurely because of care and
anxiety and overwork lest his loved ones or
himself should come to want. The man who
insures his life on the endowment plan pro-
vides, most effectually while young and strong,
against all these harassing and destructive
influences. With provision made for his fam-
ily's early weakness and for his own old age,
life would be shorn of a multitude of cares,
and its burdens so evenly adjusted, that none
would be greater than one's strength. Endow-
ment insurance gives safety and satisfaction.
Insurance and Money at
Interest.
WE have already shown that money in-
vested in a life policy is a much greater
protection to a family than if put into a sav-
ings-bank, because it increases instantly, if
needed (i. c, if the insured dies), to a sum
from ten to fifty times as great as is paid on
the policy each year. But some men have a
goodly sum at interest already, and they think
that life insurance can do nothing for them —
but it can do much. Suppose a man has
$10,000 set aside for this purpose. Suppose,
farther, that he would like to have more money
to use in his business, but does not wish to
touch this sum which he has set apart for his
family's use in case of his own death. If he
is getting six per cent, interest on it, the interest
on one-Iialf of it -ivill pay the premiiuns on a
life policy of $10,000, unless he is past middle
age. So he can use the other $5,000 in his
business, and still his family will have $15,000
at his death. Here he has increased the pro-
vision for them fifty per cent, and has released
half of the amount before locked up. If
he does not wish to use any of it he can
increase the provision he has made for his
family to $36,000 by insuring his life, and using
all the interest to pay premiums. His $10,000,
if kept at compound interest at six per cent.,
will give the following returns, principal in-
cluded :
At the end of one year $10,600
" " " " five years I3>382
" " " " ten " 17,908
" " " " fifteen years . . . 23,966
" " " " twenty " ... 32,071
If he uses his interest to pay premiums on
a life policy taken at age thirty, he can carry
over $26,000 insurance, and the result will be
over $36,000 to his family, no matter how
soon he may die after insuring. Persons zuiih
smaller ajuounts may increase them in the same
ratio. These calculations are made without
any reference to dividends from the life com-
pany, which in the New-York Life would
add largely to his insurance.
Characteristics of a Good
Life Company.
THAT one life insurance company is better
than another, and that persons about to
insure ought to exercise an intelligent judgment
in choosing a company, are propositions that X
need no discussion. That there are certain ;
principles that will serve as guides to an intel- j
ligent choice is equally evident. We propose, \
therefore, to enumerate the most important of
these principles, and to see how well the New-
York Life Insurance Company, in its his-
tory and condition, will bear their rigid appli-
cation. We call special attention, however, at
tlie outset, to the fact that no single test
is sufficient to show whether a life
company is good or not. A good
company must be well-balanced —
must have a combination of good
qualities.
1. Age. — Other things being equal, an old
company is preferable, because its officers
liave experience, and the fact that it has lived
long argues well for its stability.
The New- York Life has been in success-
ful operation for thirty-five years — more
than the life-time of a generation.
2. Magnitude. — Other things being equal,
a large company is preferable, because a
large life insurance business can be managed
at a less expense, proportionally, than a small
one. If age has brought a company a good
name, then age and magnitude will inspire
confidence and bring business to it.
-^•^)k"<
iy^
-M^
-=^-^l^<g^
THE NE'W-YORK ALMANAC,
<M-
47
-*~i>
The New- York Life is one of the largest
hfe companies in the world, having assets to
the amount of over thirty-eight million
dollars.
3. Surplus. — Other things being equal, a
company that has a large surplus in pro-
portion to its liabilities, is preferable.
Magnitude of assets avails nothing if a com-
pany's liabilities are equally great. A life com-
pany must have a surplus to provide for un-
foreseen contingencies and losses, and to inspire
confidence in its unquestioned solvency. It
must have what seems to be more than
enough in order to be sure of having
enough.
The New-York Life estimates its liabili-
ties by a more severe standard than the
law by which its solvency would be
tested ; so that, if it had but a single dollar
of surplus by its own standard, it would have
about four million dollars by the law
of the State. Its surplus, by its own
L standard, is about three million dollars, and by
f the State standard, it is about seven millions.
T Thus it keeps a strip of neutral terri-
■f tory, about four million dollars wide,
between the line over which it pledges
itself not to pass, and the line which
the law establishes as the " dead-line."
4 . Mutuality. — Other things being equal,
a purely mutual company is preferable, be-
cause such a company affords insurance at its
actual cost to the company. Moreover,
a purely mutual company is more likely to deal
liberally with its policy-holders — to be equi-
tably, rather than technically just, because the
managers are not stockholders who share the
profits, having a pecuniary interest in every
question they decide, but rather arbiters be-
tween the members, with no disposition to take
from one for the benefit of others.
The New- York Life is one of the few
purely mutual life companies in the coun-
try, having never had either stock or stockhold-
ers. In its long experience in paying claims,
it has found that a uniformly rigid construction
of the conditions of a policy which are neces-
sary to prevent fraud, would sometimes work
the gi-ossest injustice. Its invariable rule,
therefore, in the decision of questions involv-
ing the rights of policy-holders, is to consider,
not the technical legality of a claim only, but
its real justice. That this rule has saved thou-
sands of dollars to widows and orphans, hun-
dreds of grateful acknowledgments testify.
5. Conservatism. — Other things being
equal, a company that makes the security of
its policy-holders a more important consid-
eration than large dividends, rapid progress, or
the adoption of questionable schemes of insur-
ance, that chooses a wise economy rather than
vain show — is preferable.
The New- York Life keeps steadily in view
two things : (i) present security, (2) fut-
ure prosperity. It does nothing and omits
nothing that will jeopardize in the least degree
the absolute and unquestionable security of its
policies, and it prefers a safe and steady and
continuous business, to anything startling or
empirical, in either plans or performance.
6. Careful Investments. — Other things
being equal, a company that receives a large
interest income in proportion to its assets is
preferable. But in seeking a high rate of ±
interest security must not be lost sight of; =
security must be preferable to a high T
rate of interest. This is a \dtal point. A)-
The income of the New- York Life from
interest and rents has averaged about six per
cent, on its assets for the past ten years, yet so
carefully are its assets invested that less
than one per cent, interest on its in-
vestments remained unpaid January 1,
1879, and a part of this was not yet
due. At that date the market value of its
bonds and stocks was $623,837.62 in excess of
their cost.
7. Success. — Other things being equal, a
company that does a large and steady busi-
ness— that receives a large income, both in
premiums and in interest on its invested assets ;
that returns large amounts to its policy-holders
in death-claims, dividends, and returned pre-
miums on canceled policies ; that accumulates
a large surplus every year ; and that is increas-
ing in strength — is preferable. Such a com-
pany is a good company to insure in, because
it is doing year after year, and doing well, just
those things which men desire life insurance
companies to do for them.
As to the record of the New- York Life
on these points we refer the reader to page 48.
-^-^/^h-^F-
<>-^
-x>
-M>
-^-^!t-g*
THE NEW-YORK ALMANAC,
THE FOLLOWING TABLE SHOWS THE
PROGRESS OF THE NEW-YORK LIFE INS. CO.
IN THE
Amount of Insurance Effected, the Income of the Company, the sums paid to Policy-holders and their
Families, and in the Sums Held and Invested for the Benefit of Living Policy-holders,
during a period of Thirty-four Years.
As this table is made up before the close of 1879, it does not include the figures of that year. At the beginning of
1879 the Company's account with policy-holders stood as follows:
Received from policy-holders in premiums $79,231,488.22
Paid to policy-holders and their representatives, as above 47,316,772.32
Assets held in trust for policy-holders, January I, 1879 36,837,295.23
Amount paid and held exceeds amount received 4,922,579.33
The following tables show, in round numbers, the Company's condition at the beginning of 1879, and the progress
made during t'ne preceding year.
Condition, January 1, 1879.
No. of Policies in force 45,000
Total amount insured $125,000,000
Cash assets 37,000,000
* Surplus, Company's standard. . 2,800,000
// N. Y. State // . . 6,800,000
Progress, Etc., 1878.
Increase in assets $1,900,000
// in surplus 475,000
// in income 7,000
// in interest receipts 80,000
Excess of interest over death-claims, 260,000
* Exclusive of the amount ($1,041,456.87) specially reserved as a coftiing^ent liability to Tontine Dividend Fund.
During the last fourteen years the interest received by the Company on its investments has more
than paid its death-losses. At the beginning of 1879 the amount of interest uncollected, INCLUDING
THAT ACCRUED BUT NOT YET DUE, was less than one per cent, on the investments of the Company—
this promptness in payment of interest showing the high character of these investments. These
features of its business hava been widely noticed by the press as evidences of extraordinary prosperity,
and of great skill and energy in management.
^~^le-<g<=
-(M-
Period,
Dates Inclusive.
No. of Policies
Issued.
Amount Insured.
Premiums Received.
Received from
Interest, etc.
1845 to 1849,5 yrs. .
1850 to 1854,5 // . .
1855 to 1859, 5 // . .
i860 to 1864,5 // . .
1865 to 1869,5 // . .
1870 to 1874,5 // . .
1875 to 1878, 4 " . .
4,767
5,448
3,404
15,104
38,918
43-831
25,222
$8,116,349
12,677,702
12,077,437
38,517,842
126,964,416
127,276,323
78,132,926
$410,378.07
1,544,064.75
1,939,292.51
4,250,964.45
16,941,695.69
30,639,982.99
23,505,109.76
$13,395-17
361,775-96
181,453.66
756,708.15
2,737,397-90
6,235,613.66
7,593,730-59
Totals
136,694
$403,762,995
$79,231,488.22
$17,880,075.09
Paid to Policy-holders in —
Average Annual
Period,
Dates Inclusive.
Death- claims.
Dividends and Ret'd
Premiums on
Canceled Policies.
Endowments
and Annuities.
Increase of
Assets in each
Period.
1845 to 1849,5 yrs. .
1850 to 1854,5 // . .
1855 to 1859,5 // . .
i860 to 1864,5 // . .
1865 to 1869, 5 // . .
1870 to 1874, S " ■ ■
1875 to 1878, 4 '' . .
$112,398.00
645,000.09
870,391-57
1,153.724.29
3,039,725.77
6,899,121.94
6,398,267.25
$1,300.47
371,805.31
246,873.15
867,984.66
4,237570.71
11,170,368.49
9,708,899.73
$323.82
6,558.46
13-353-44
135,880.32
1,437,224.85
$64,116.25
116,296.28
173,414.10
394389-05
1,917,363-23
2,804,148.49
2,372,157.03
Totals
$19,118,628.91
$26,604,802.52
$1,593,340-89
<M-
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AND WHOLESALE DEALERS IN
SCHOOL BOOKS & STATIONERY,
414 Broad-way, New-York.
Counling-HouseStaliopery at Retail.
Blank Books Made to Order.
^ MERCANTILE PRINTING. ^
I ^
' The New- York Star *
A SUCCESS UNEXAMPLED IN METROPOLITAN JOURNALISM.
The New-Yokk Star, under new management, and in a wider field, has won in the past year a degree of" prosperity
and influence WITHOUT ^A. I^^JLPt.VLLKL.
INDEPENDENT, VIGOROUS AND ENTERPRISING,
Devoted to the presentation, in an attractive form, of
ALL THE NEWS OF THE DAY.
It has achieved a patronage surpassed by few of its older rivals, and a political influence
SECOND TO NONE.
AS A FAMILY PAPER
The Star presents exceptional claims to excellence. Its attention to household interests, and to the presentation of
attractive reading for the home circle, free from demoralizing t.iint or influence, has, in great measure, gained for it the
ASTONISHING GROWTH IN POPULAR FAVOR
Which has made The Star a wonder among its peers.
THE SUNDAY EDITION
Of The .Star fiirly riv.als the most ambitious efl^arts of its contemporaries, and is unsurpassed for freshness, vigor, and
taste in the selection and elaboration of its special articles.
SUBSCRIPTION RATES.— Daily and Sund.w, per annum, $6 ; per month, 50 cents ; postage paid.
Delivered by carriers to any part of the City, Brooklyn, Jersey City, Hoboken, &c., at fifteen cents per week.
Ordinary advertisements, 20 cents per line. All communications should be addressed to
THE NEW- YORK STAR,
26 & 28 North William Street.
-.-4- =^>-^l^-^^^ ^-^
Everyone that Cultivates the Soil
SHOULD COMPARE
THE ORIGINAL, INDEPENDENT, CONSCIENTIOUS
RURAL NEW-YORKER
WITH OTHER PAPERS.
The First Horticultural and Agricultural
Authority in America.
AN ILLUSTRATED WEEKLY FOR ALL PARTS OF OUR COUNTRY.
SUBSCRIBE NO^W!
A $4.00 paper for $2.00 per annum. J^o club rates.
The Rural is the disseminator of Blounts' White Prolific Corn, Beauty of Hebron Potato,
Pearl Millet, and Fifty sorts of new and rare vegetable and flower seeds.
The present Free Seed and Plant Distribution is the most costly and valuable
ever before offered by any journal in the world.
A full illustrated descriptive account of it will be sent with Specimen Copy free ta applicants,
that all may judge for themselves.
Jc Large Capital and abundant Resources enable us to benefit our subscribers by such means. i.
jf Illustrations from life. No untrustworthy advertisements. All new farm and garden plants T
**' or seeds tested, and impartially reported upon. When the size, and quality of the paper, the ^^
standing of its world-renowned contributors, its independence and trustworthiness, its Free Seed
and Plant Distributions (which are deemed by subscribers as of more value each year than the
subscription price), are considered, it is by far the
Cheapest Country-Home Journal in the World.
Experiment Grounds of 82 Acres Owned by The Rural New-Yorker and Worked
in the Interests of it's Subscribers.
It will help you Make Money and Spend it Judiciously.
Prof. W. J. Beal, of the Michigan Agricultural College : " The Riiral New- Yorke7- is ]io7v
the best paperJ'^
Prof. E. M. Shelton, of the Kansas Agricultural College: " The Rural Ne-w-Yorkei- has
more irifluence and is 7?iore quoted than all the rest put together. "
Pres. T. T. Lyon : " The Rural is the best paper I see. ^^
A paper for the country, village, city; for the market gardener, nurseryman, fruit grower,
small fruit culturist, herdsman, dairyman, apiarian, the scientist everywhere. No sectional
prejudices.
The most vigorous and able combination of practical writers ever before collected together
in the columns of any journal. Original Illustrations from life, by our best artists, of fruits,
architecture, farm helps, shrubs, trees, agricultural implements, etc.
»
ENTHUSIASM THROUGHOUT THE COUNTRY— 10,000 CONGRATULATORY LETTERS.
Third Year of its Present Management, 31st Year of its Age.
Published weekly. Address RURAL NEW-YORKER,
78 Duane Street, Nevz-lTcrk.
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<y-*-
SHELDON COLLINS,
ilaimfadurer of
Black and Colored
ii
is
PRINTING INKS,
No. 26 Frankfort Street,
NEW-YORK.
Branch Office, 727 Sansom St., Philadelphia, Pa.
The New York Almanac, as well as many other fine Pictorials, is printed
with my Cut Ink.
-(H^
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I
JOSEPH f^lLLOTT
^ steel" PENS.
THE FAVORITE NUMBERS, 303,404, 332,351, 170,
AND HIS OTHER STYLES
SOU! Bv ALL DEALERS throughout the WORLD.
MANUFACTOKy OF THB 8PENCERIAN STEEL PE^8, BIBMINGHAM,
ENGLAND.
SPENCERIAN Steel Pens,
of the Very Best European Make, and unrivaled for
FlexlMlity, Durability, and Evenness of Point.
REAL. SWAN QUILL, ACTION.
In Twenty Jfnmbers. Samples, including the popu-
lar numbers^ i O R Q 1 f\ and Broad o_ 1 C 10
Fine Points I Z J O IJ Points O ID lO
Will be sent by mail, for trial, on receipt of 25 Cents.
iVISON, BLAKEMAN, TAYLOR k CO.
138 and 140 Grand St., New York.
Staten Island Fancy Dyeing Establishment,
BARRETT, NEPHEWS & CO.
11
279
-<^y
BRANCH OFFICES : K O r*} T 1 Cil. "KT TT BRANCH OFFICES :
99 Broadway, New-York. ? Pi CW. I •101111 STi W Y 5 HO W. Baltimore St., Baltimore.
9 Fulton St., Brooklyn. J ^ v** • " v-"-" »M»Utj XI • A . ^ 47 Uortj, gth St., Philadelphia.
All kinds of Ladies' and Gentlemen's Clothing dyed or cleaned.
Ladies' Dresses, Cloaks, &c , of every color, cleaned.
Gentlemen's Overcoats, Pantaloons, Vests, &c., cleaned or dyed without ripping apart.
Kid Gloves and Feathers dyed or cleaned. Shades and Curtains Cleaned, &c.
BARRETT. NEPHEWS & CO., Principal Office, 5 &7 John St., N. Y.
^.-^i^^^
<>-»-
-^-i). ^--^-^ : (M-
NEW-YORK NEWS PUBLISHING CO.
PUBLISHERS OF THE
Daily, Weekly & Sunday News
AND
6^ag0 and Saiiiita^ -^Tacf}licf}teii.
New^-York News Building, No. 19 City Hall Square.
TO ADVERTISERS.
The DAILY NEWS has the largest circulation of any daily published in the United States.
The price charged for advertisements in the DAILY NEWS is not more, and in some cases it
is less, than the price charged by journals which have not more than half or even one-third the
circulation of the NEWS. Advertisements inserted in all three editions without extra charge.
The DAILY NEWS is now the Cheapest Advertising Medium in existence.
The WEEKLY NEWS has a large circulation in every section of the country. Merchants,
manufacturers, patent medicine dealers, and all classes of business men, will find its columns a
very valuable medium to advertise in.
The SUNDAY NEWS has a large circulation throughout the city and along the lines of
the railroads leading from the city. Advertisements inserted on liberal terms — at lower rates than
in any other Sunday paper published, when circulation is taken into consideration.
DIE TAGES-NACHRICHTEN has the largest circulation of any German daily news-
paper published in the world.
DIE SONNTAGS-NACHRICHTEN has the largest circulation in the city of any
German Sunday paper issued.
All classes of merchants and dealers who are seeking for German trade will find advertisements
in the columns of the Tages and Sonntags-Nachrichten reach a larger number of readers
than they would by any other channel.
J^
-.-4- -^.^jt-<g^^ 4-^
^-*-C=^^ -< M-
The Daily Graphic
THE FIELD OF ILLUSTRATED JOURNALISM.
-f
The circulation of the DAILY GRAPHIC is national in its extent. Since the beginning
of 1877, its number of subscribers has increased more than three-fold. The paper is sold
on the stands of newsdealers in nearly every city in the United States. It has regular
subscribers in all important towns in every State and Territory. Its regular circulation
outside the city undoubtedly exceeds the combined country circulation of all the other
evening papers, and is larger than the country circulation of most of the morning papers.
The origin of illustrated journalism was very simple. A London newsdealer
observed that whenever a paper contained a diagram, wood-cut, or map of any kind, it
attracted attention and had an increased sale. He reflected on the fact, and the
" Illustrated London News " was the result of his cogitations. It met with an unexpected
success, and led to a number of imitations.
The idea of the old newsdealer was sound. People love to grasp situations at a
glance of the eye. They love to take in a landscape at a look, and find more joy in a
cheap print which represents a real scene than in any amount of elegant verbal descrip-
tion. The eye is the window of the mind, the telescope of the imagination. The picture
tells a whole story at once. It photographs itself in the memory. It delights the fancy.
It informs without weariness. It pleases without dissipation. The child begins to learn
by picture-seeing. The first writing in the world was hieroglyphic ; and the stories told
by the old Egyptians in those rude figures cut in the walls of temples and of tombs
convey whole volumes of information. Illustrated journalism is the application of the
simplest principle to the diffusion of intelligence. It supplements words, that make
dim images on the mind, with pictures, that give form and body and character to the
objects described, and transfers a whole scene instantaneously to the imagination. We
are fast learning that pictures are something more than objects to lazily enjoy, over
which one may spend an idle hour. They are a language. They are the best possible
vehicle of communicating intelligence to mind and imagination. They are poetry
reduced to form. They can be made, as we have abundantly shown, the means of
telling the news more effectually, easily and completely than any words yet invented.
The recognition of this principle has given The Graphic its wide circulation and made
its name the synonym of enterprise.
The Graphic has the best, fullest, and latest financial and mining intelligence of
any paper in New-York.
The Experience of a Great Advertiser.
Office of DANIEL F. BEATTY,
Proprietor and Manufacturer of The Beatty Piano — Grand, Square and Upright —
and Beatty s Celebrated Golden Tongue Parlor Organs.
Washington, N. J., December 18, 1878.
To the Manager of the Graphic :
Dear Sir : I deem it only a matter of justice to you to state that I am well
pleased with the result of my advertising in The Graphic. My advertisement in
The Graphic has brought me more business than any one advertisement inserted by
me in any other New-York daily paper. Respectfully, '
Daniel F. Beatty.
Terms, post-paid, per year, SIQ.OO.
Address, THE DAILY GRAPHIC,
39 & 4i Park Place, New- York.
_ ^-^jf-g^^ — —
The Sun for 1880.
THE Sun will deal with the events of the year 1880 in its own fashion, now pretty well understood
by everybody. From January i until December 31 it will be conducted as a newspaper written
in the English language and printed for the whole people.
As a newspaper, The Sun beUeves in getting all the news of the world promptly, and presenting
it in the most intelligible shape— the shape that will enable its readers to keep well abreast of the age
with the least unproductive expenditure of time. The greatest interest to the greatest number— that is
the law controlling its daily make-up. It now has a circulation very much larger than that of any
other American newspaper, and enjoys an income which it is at all times prepared to spend liberally
for the benefit of its readers. People of all conditions of life and all ways of thinking buy and read
The Sun ; and they all derive satisfaction of some sort from its columns, for they keep on buying
and reading it.
In its comments on men and affairs, The Sun believes that the only guide of policy should be
common sense, inspired by genuine American principles and backed by honesty of purpose. For this
reason it is, and will continue to be, absolutely independent of party, class, clique, organization, or
interest. It is for all, but of none. It will continue to praise what is good and reprobate what is evil,
taking care that its language is to the point and plain, beyond the possibility of being misunderstood.
It is uninfluenced by motives that do not appear on the surface ; it has no opinions to sell, save those
which may be had by any purchaser with two cents. It hates injustice and rascality even more than it
hates unnecessary words. It abhors frauds, pities fools, and deplores nincompoops of every species.
It will continue throughout the year 1880 to chastise the first class, instruct the second, and discounte-
nance the third. All honest men, with honest convictions, whether sound or mistaken, are its friends.
And The Sun makes no bones of telling the truth to its friends and about its friends whenever occa- i|«
sion arises for olain speaking.
These are the principles upon which The Sun will be conducted during the year to come.
The year t88o will be one in which no patriotic American can afford to close his eyes to public
aflTairs. It is impossible to exaggerate the importance of the political events which it has in store, or
the necessity of resolute vigilance on the part of every citizen who desires to preserve the Government
that the founders gave us. The debates and acts of Congress, the utterances of the press, the excit-
ing contests of the Republican and Democratic parties, now nearly equal in strength throughout the
coimtry, the varying drift of public sentiment, will all bear directly and effectively upon the twenty-
fourth Presidential election, to be held in November. Four years ago next November, the will of the
nation, as expressed at the polls, was thwarted by an abominable conspiracy, the promoters and bene-
ficiaries of which still hold the offices they stole. Will the crime of 1876 be repeated in 1880? The
past decade of years opened with a corrupt, extravagant, and insolent administration intrenched at
Washington. THE SuN did something toward dislodging the gang and breaking its power. The
same men are now intriguing to restore their leader and themselves to places from which they were
driven by the indignation of the people. Will they succeed ? The coming year will bring the answers
to these momentous questions. The Sun will be on hand to chronicle the facts as they are devel-
oped, and to exhibit them clearly and fearlessly in their relations to expediency and right.
Thus, with a habit of philosophical good humor in looking at the minor affairs of life, and in
great things a steadfast purpose to maintain the rights of the people and the principles of the Consti-
tution against all aggressors. The Sun is prepared to write a truthful, instructive, and entertaining
history of 1880.
Our rates of suJ?scription remain unchanged. For the DAILY SuN, a four-page sheet of twenty-
eight columns, the price by mail, post-paid, is iiS cents a month, or !<<i<{.50 a year ; or, including
the Sunday paper, an eight-page sheet of fifty-six columns, the price is H3 cents a month, or !ji»7'.70
a year, postage paid.
The Sunday edition of THE SuN is also furnished separately at $l.SO a year, postage paid.
The price of The Weekly Sun, eight pages, fifty-six columns, is $1 a year, postage paid.
For clubs of ten sending $>10 we will send an extra copy free. Address
1. W. England, Publisher of The Sun, New- York City,
.♦-6- — ^>-^-<£*- -^
-Mh
JANUARY.
JUNE.
-(J-^
AUGUST.
4
I I
i8
25
M T W T F
5
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7
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A/ r j^ r
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I-F
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FEBRUARY.
I
8
15
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29
M
9
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3
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IF
4
II
18
25
5
12
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6
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1880.
SEPTEMBER.
MARCH.
^ 7
1^ 14
21
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15
22
29
9
16
23
30
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3
10
17
24
31
4
II
18
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5
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APRIL.
S M T W T F
4
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25
5
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8
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MAY.
S M T W T F
9
16
23
2>o
3
10
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24
31
4
1 1
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25
5
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5
6
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27
3
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24
7
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I
8
15
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29
THE
New- York
LIFE
INSURANCE COMPANY
Has been in business
35 Years.
Is a Purely Matual Company.
HAS PAID IN DEATH CLAIMS
About $20,500,000.
HAS NOW IN FORCE ABOUT
45,000 Policies,
WHICH ARE SECURED BY
$38,000,000 Assets,
Over SEVEN MILLION Dollars of
which is SURPLUS.
POLICIES NON-FORFEirnrG.
DIVIDENDS ANNUALLY.
5
12
19
26
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3
10
6
7
8
9
13
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4
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25
OCTOBER.
3
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24
31
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8
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5
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7
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12
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NOVEMBER.
7
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8
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9
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w
3
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4
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JULY.
S M T ]V T
DECEMBER.
4
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25
5
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9
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-^-*-<g*
-o-^
-*-< ) ->3>-^!f-=K-
Mem ^ovkcv IBolfccSjCitiuig.
Daily, Sunday and Weekly Edition.
Has the Largest Circulation of all German Morning
Newspapers but one, and reaches all classes.
For rates of advertisements and further particulars apply at the Office,
No. 166 NASSAU STREET (SUN BUILDING),
NEW^-YORK.
3ittt5afi|"c5e8 Uoffisfifaif,
1 CHAMBERS STREET,
Ne^v-York City.
The onlyGerman Catholic Paper published in New YorkCity.
AND
ONE OF THE BEST ADVERTISING MEDIUMS.
-•-0 ^-^i^=g*=- A-»-
^-^If-^
ARCHIBALD TURNER,
Member N. V. Stock and Mining Exchanges,
JOSEPH S. DECKER,
Member N. Y. Stock ExcJianre.
Archibald Turner & Co.
BANKERS AND BROKERS,
ISTo. 33 [TSTassaia Sti^eet.
STOCKS, BONDS, GOLD, AND MISCELLANEOUS SECURITIES,
BOUGHT AND SOLD ON COMMISSION.
SUPERIOR NUTRITION THE LIFE.
^
-♦-#
TOIJIA^
REGIST'D^IS
THE GREAT
CINAL F
THE SAL V A TOR EOR INVALIDS AND THE AGED.
AN INCOMPARABLE ALIMENT FOR THE GROWTH
AND PROTECTION OF INFANTS AND CHILDREN.
A SUPERIOR NUTRITIVE IN CONTINUED FEVERS,
AND A RELIABLE REMEDIAL AGENT IN ALL
DISEASES OF THE STOMACH AND INTESTINES.
TITHIS justly celebrated Dietetic Preparation is, in composition, principally the Glicten
J I [» derived by chemical process from 7)ery superior growths of wheat, and presented with
the assurance that it is unquestionably the safest, most nicely prepared and reliable
medicinal food that scientific research can yield. It has acquired the reputation of being
an aliment tlie stomach seldom if ever rejects, condition not excepted — and while it would be
difficult to conceive of anything in food more delicious, or more soothing and nourishing
as an aliment for invalids and for the growth and protection of children, its rare medicinal
excellence in Inanition, due to Mal-assimilation, Chronic, Gastric and Intestinal Diseases, has
been incontestably proven ; often in instances of consultation over patients whose
digestive organs were reduced to such a low and sensitive condition that the Granum was
the only thing the stomach would tolerate, when life seemed depending on its retention
SOLD WHOLESALE AND RETAIL BY
DRUGGISTS AND PHARMACISTS
PRINCIPAL CITIES OF THE UNITED STATES.
JOHN CARLE & SONS, NEW YORK,
--^■^fh-^^-
*
^
-^^^•<g<= ()-^
C^e lleto-gorti ffimes.
FOR 188 O.
ESTABLISHED 1851.
The political course of The New-York Times will be guided during the Presidential year by the same principles
which have won for it the position of the foremost Republican newspaper in the United States.
The Times will continue to plaee fidelity to the interests of the Republican Party above the pursuit of personal
aims or private ambition, and will steadfastly insist that the usefulness of any party must be measured by the extent of
its devotion to the honor and welfare of the country. In the future, as in the past, the attitude of The Times will be
that of independence ■within the Republican Party.
THE maintenance OF THE NATIONAL CREDIT;
THE PURIFICATION OF THE PUBLIC SERVICE;
THE ADVOCACY OF ALL SEASONABLE PROJECTS OF FISCAL REFORM;
RIGID ECONOMY IN PUBLIC EXPENDITURES;
OPPOSITION TO SUBSIDIES AND CORPORATE JOBBERY IN ALL ITS FORMS;
AND THE PRESERVATION OF EQUAL RIGHTS TO ALL CITIZENS,
North and South, will be the salient points of the policy of The Times.
The Times will, as in the past, be distinguished as an enterprising, accurate, and carefully-edited newspaper.
The acknowledged excellence and fullness of its correspondence by mail and telegraph, from all parts of the world, will
be adequately maintained, and its facilities for collecting domestic and foreign news will be expanded to meet the
■«■ increasing demands of our time.
■^ In the sphere of literary and artistic criticism, of scientific, social, and general dicussion. The Times will address
itself, as heretofore, to the appreciation of the educated and intelligent classes of the American people. It will be
lively without being sensational, aggressive without being coarse; at all times it will strive to be fearless and independ-
ent in the championship of the ri^ht. No theories subversive of the principles on which the sacredness of family ties
and the existence of society alike repose will be promulgated in its columns.
The Times rejects all advertisements of lotteries, of quacks and medical pretenders, and of all other agencies by
which the insidious poison of vice is disseminated throughout society. It will be in the future, as in the past, a news-
paper especially adapted for family reading.
The Semi-Weekly Times is specially fitted to meet the requirements of those who seek more ample details of
current news and fuller installments of current discussion than sre furnished in the weekly issue. At the reduced
club rates now offered for this edition its popularity ought to be greatly increased.
The Weekly Times, containing selected editorials on topics of national and general interest from the columns of
the daily issue, as well as a concise summary of political, social, and foreign news, besides other features which
recommend it to all classes of readers. Is a paper admirably fitted to circulate in every portion of the United States.
Its conductors will spare no effort, not only to maintain its well-earned supremacy, but to make its popularity still more
decided.
TERMS TO MAIL SUBSCRIBERS— POSTAGE PAID.
The DAILY TIMES, per annum, including the Sundiy Edition $12. GO
The DAILY TIMES, per annum, exclusive of the Sunday Ediiion lO.OO
The Sunday Ediiion, per annum 2.00
/-Single Copies, one year 2. SO
THE SEMI-WEEKLY TIMES. 5 Five Copies, one year 12. OO
C. Ten Copies, and one free for Club 20.00
/■ Single Copies, one year l.OO
THE WEEKLY TIMES. ) Ten Copies, and one free for Club lO.OO
(. Subscriptions for six months, 60c. ; three months, AOc
These prices are invariable. We have no traveling agents. Remit in Drafts on New-York or Post-Office
Money Orders, if possible ; and where neither of these can be procured, send the money in a tegistered letter.
Address
THE NEW-YORK TIMES, New-York City.
f
^ V =^.^1^^-. _( ^
ESTABLISHED, JULY, 1836.
N. Y. Evening Express,
No, 23 Park Row, New-York City.
DAILY — every afternoon — in Four Editions. The liveliest, newsiest, brightest and
cheapest afternoon paper published in New-York City.
Price J Cents.
2
PUBLISHES Rev. T. DeWitt Tal mage's Sermons (delivered on Sunday)
in next Monday's issue, and is the only Journal receiving them direct from Dr.
TalmaGE, having made exclusive arrangements to that effect.
*
I Served by Carrier, 12 Cents per Week. Mailed for $6 per annum. >|j
N. Y. Weekly Express,
A COMPLETE FIMM NEWSPAPER. SEND FOR SAMPLE COPIES.
THE WEEKLY EXPRESS publishes Rev. T. DeWitt Talmage's Ser-
mons each week, by authority of Dr. Talmage, and as furnished by him.
TERMS.
Single Copy for one Year $1.00
Six Copies or more for one Year, each copy 90
Twenty-five Copies or more for one Year, each copy 80
Fifty Copies or more for one Year, each copy 75
Sample Copies sent Free. Address
New-York Express Co., 23 Park Row, N. Y. City.
*
THE
Scientific American
THE MOST POPULAR SCIENTIFIC PAPER IN Tl-jE WORLD.
Only ^3.30 a Year, including Postage.
WEEKLY. FIFTY-TWO NUMBERS A YEAR.
This widely circulated and splendidly illustrated paper is published weekly.
Every number contains sixteen pages of useful information, and a large number of
original engravings of new inventions and discoveri-es, representing Engineering
Works, Steam Machinery, New Inventions, Novelties in Mechanics, Manufactures,
Chemistry, Electricity, Telegraphy, Photography, Architecture, Agriculture, Horti-
culture, Natural History, etc.
All Classes of Readers find in The Scientific American a popular resume
of the best scientific information of the day ; and it is the aim of the publishers to
present it in an attractive form, avoiding as much as possible abstruse terms. To
every intelligent mind this journal affords a constant supply of instructive reading.
It is promotive of knowledge and progress in every community where it circulates.
Terms of Subscription. — One copy of The Scientific American will be
sent {ox one year — 52 numbers — postage prepaid, to any subscriber in the United
^ States or Canada, on receipt of three dollars and twenty cents by the pub- ^
lishers; six months, $1.60 ; three months, $1.00. May be had of all news-dealers.
The safest way to remit is by Postal Order, Draft, or Express. Money care-
fully placed inside of envelopes, securely sealed, and correctly addressed, seldom
goes astray. Address all letters to
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^•■^|f"<g^
-<M-
«~^lt-<^-
■i^
American Fire
INSURANCE CO. OF NEMT-YORK.
[OEGANIZED 1857.]
JNTo. ISO Br-oad^vay.
STATEMENT, JAN. I, 1879.
CASH CAPITAL $400 000.00
Net Surplus 494,548.31
Assets (available for Fire Losses) $894,548.31
Unearned Premiums and other liabilities 75,846.09
ASSETS $970^94740
TOTAL
Policy-holde7-s in this Ccnnpany have increased protection under the guarantees of the
New- York SAFETY FUND LA IV, under which, in case of an extensive conflagration,
The Company cannot be destroyed ;
The Company cajinot go into the hands of a Receiver ;
The Company ca.Il pay more to claimants than if not under the law;
The Company can pay all claims promptly, saving the extraordinary delays and expenses inci-
dent to a Receivership ;
The Company can and does protect every iinbumed Policy-holder — and this is of vital interest
to Mortgagees and other collateral holdeis, who have uninterrupted indemnity.
This Lata is of greater benefit to Policy-holders tJian any ever before enacted.
JAIflES M. HAt,SXED, President.
THOS. Li. THORNEIiL, Sec'y. DAVID ADEE, Ass't Sec'y.
Hoffman Fire
INSURANCE COMPANY,
Office, ]N^o. 113 Broad^vay,
Cash Capital, $200,000.00
ASSETS.
Bonds and Mortgages -. $125,493.00
Call Loans 4,350.00
U. S. Registered Bonds 103,281.25
Bank Stocks 18,300.00
New-York Central & Hudson R. R. Co. Stocks 23,700.00
Real Estate 28,956.95
Cash in Banks and on hand 17,617.23
Interest due and accrued 4,695.66
Premiums in course of collection 11,089.31
LIABILITIES.
Losses unpaid $9,582.59
Re-Insurance Reserve 69,243.67
Other Liabilities 1,773.34
Capital 200,000.00
Net Surplus 56,883.80
!$S37,4!N».40
LONG ISLAND
INSURANCE COMPANY,
303 ]VIonta^iie Street^ Bi^ooklyn.
130 Broad^^ay, IS^e^w-York.
Capital $200,000 . 00
Reserve for Re-Insurance 30,298 . 66
Surplus 281,942 .01
Assets $512,240.67
■WM. L. CORTELYOU, l^resident.
JONATHAN OGDEN, Vice-Pres. HENRY BLATCHFORD, Sec.
^TAR FIRE
INSURANCE COMPANY,
141 Broadway, New-York.
STATEMENT.
Cash Capital (U. S. Bonds) $300,000.00
Net Surplus. 171,318.39
Unearned Premium Fund and all other Liabilities 129,249.05
Assets, January 1st, 1879 $600,567.44
NICHOLAS C. MILLER, Pres. JOHN R. SMITH, Vice-Pres. JAS. M. HODGES, Sec.
DIRECTORS.
Levi Apgar President North River Bank.
James Flanagan Flanagan & Wallace.
Allan Hay All.m^Hay Mfg. Co.
Wm. W. Owens 553 Fifth Avenue.
John F. PuPKE Pupke & Reid.
Edgar PinchOT 214 Fulton .Street.
Chas. B. Richard C. B. Richard & Boas.
Chas. Spear 85 West Street.
H. K. Thurber H. K. & F. B, Thurber & Co.
E. T. Tefft Tefft, Griswold & Co.
R. Cornell White 116 South Street.
John R. Flanagan Flanagan & Bright,
James S. Barron J. S. Barron & Co.
Zachariah Jaques 259 West 23d Street.
Ebenezer Beadleston . . Pres. Stuyvesant Safe Dep. Co.
Charles Denison President Grocers' Bank.
D. B. Moses Sing Sing, N. Y.
Jos. W. Martin 79 Front Street.
John C. Tucker 34 West 50th Street.
Elbert Bailey 26 East 127th Street.
Jas. G. Powers J as. G. Powers & Co.
Jas. C. Gulick 168 East 71st Street.
John Claflin H. B. Claflin & Co.
J. Fisher Satterthwaite. .President Produce Bank.
E. H. Ammidown Ammidown, Larne & Co.
John R. Smith 141 Broadway.
Nicholas C. Miller .141 Broadway.
Julius Catlin, Jr Hunt, Catlin & Valentine.
Wm. H Gebhard 21 Nassau Street.
David Jones 617 Sixth Street.
Edward H. Perkins, Jr. .Cashier Importers and Traders' National Bank.
THIRTY-FIVE YEARS' BUSINESS EXPERIENCE.
Tl SEW-YOM LIFE MPMCE CO.
PURELY MUTUAL. DIVIDENDS ANNUALLY.
140,000 PoUcies issued. 45,000 Policies in foree. $50,000,000 Paid to Poliey-holders.
AUNTTAL mCOME, OVES CASH ASSETS, OVEB
$7.500.000 $38.000.000
Surplus, N. T. State Standard, over $6,500,000.
AGE. STRENGTH. CAREFUL MANAGEMENT.
THE COMPANY-S HOME OFFICE, 346 & 348 Broadway, New-York.
THE NEW-YORK LIFE INSTIRANCE COMPANY has been doing business for tMrty-five years, and now
offers to those desiring life insurance a Combination of Advantages which only long experience, a large
and well-established business, and carefully perfected plans and methods can afford. Among these advantages
are: (1) The absolute Security of its Policies. (2) Insurance at Low Cost. (3) Liberal and Equitable Dealing.
The large amount of Assets now held by the Company, its large Surplus over and above all liabilities,
the large Number of Policies in force, and the constant acceptance of new risks on carefully selected lives
in the most healthful portions of North America and Europe, and the great experience of its officers
and managers, render it one of the strongest, most prosperous, and most trustworthy companies in the world.
Having always been a purely mutual Company, policy-holders receive their insurance at actual current cost,
and its age, strength, prosperity and economical management combine to reduce that cost to the minimum. The
Company is conducted in the interests of policy-holders alone. In the decision of ques'ions involving their
rights the invariable rule is to consider, not the technical legality of the claim alone, but its real justice.
The non-forfeiture system of policies originated with this Company in 1860, and has since been adopted —
though sometimes in questionable forms — by all other companies. This feature saves millions of
dollars every year to policy-holders, and for this they are indebted to the
NEW-YORK LIFE. The system as now perfected by the NEW-YORK LIFE secures Safety to the
Company (without which all interests are jeopardized), and Justice to the insured.
MORRIS FRANKLIN, Pres. WILLIAM H. BEERS, Vice-Pres. & Actuary.
THEODORE M. BANTA, Cashier.
D. O'DELL, Sup't of Ag-encies.
CHARLES WRIGHT, M, D., ? „„..„„, p,,„.„-...
HENRY TUCK, M.i).. 1 Med.cal Examiners.
FRANCIS HART & CO., Printers, 63 and 65 Murray Street, New-York.
^^^^^^^^C^G^C^CJ^C^C^C^C^CS^C^Cfl
il^^
^
■=i^»«t-<^^
FARRAGUT FIRE
INSURANCE COMPANY
OF THE CITY OF NEW-YORK,
No. 346 Broadway.
^'^^ BRANCH OFFICES :
No. 152 Broadway, New-York; No. 81 Broadway, Brooklyn, E. D.
Statement, January i, 1880.
Cash Capital $200,000.00
Reserve for Re-insurance .70,79 1 .05
Reserve for Losses 8,652.58
Reserve for Taxes, Rent, Commissions, &c 4,512.16
Net S urplus 138,833.20
f $422,788.99 i
INVESTED AS FOLLOWS: ^
'' United States Bonds $276,575.00
Bank Stock 10,600.00
Bonds and Mortgages 1 8,000.00
Temporary Loans 42,950.00
Real Estate 44,000.00
Cash on hand and in bank 19,927.50
Unpaid Premiums 9,420.89
Interest accrued and Rents 1,315.60
$422,788.99
JOHN M. FURMAN, President.
JOHN E. LEFFINGWELL, Vice-Pres't. SAMUEL DARBEE, Sec'y.
CHARLES A. BOGUE, Ass't Sec'y.
DIRECTORS.
JOHN M. FURMAN President.
E. E. EAMES H. U. Claflin >% Co.
PHILO C. CALHOUN. . . . Pres't Fourth Nat'l Bank.
WM. H. BEERS Vice-Pres't N. Y. Life Ins. Co.
N. D. MORGAN Brooklyn.
CHARLES WRIGHT, M. D. . . .N. Y. Life Ins. Co.
SEYMOUR L. HUSTED, Pres.DimeSav.B'k.B'klyn.
ECKFORD WEBB, late of Webb, McLaughlin & Co.
JAMES L. BOGERT New-York.
CHARLES A. DENNY.. ..late of Denny, Poor & Co.
WM. WATSON Wm. Watson & Co.
MARCUS F. HODGES.. President Hoflfman Ins. Co.
W. F. SHIRLEY New-York.
A. H. GODWIN Paterson, N. J.
JAS. M. DUNBAR Jas. L. Little & Co.
S. S. FISHER Man ufacturer.
GEORGE H. JONES New-York.
SAMUEL COOPER 7 Pine Street
STEW'T L. WOODFORD, Arnoux.Ritch &Woodford.
EVERETT CLAPP New- York.
DAVID M. HILDRETH New-York
JOHN E. LEFFINGWELL Vice-President
00 ^
4^^^-
«-<►<
4
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CAITIli
FIRE INSURANCE COMPANY
Of the City of New- York.
Office, 166 Broadway.
^
(GHARTKRED IN 1852.)
Y
f
This Company lias been in successful operation twenty-eiglit years, and lias paid all its losses,
including those of the great conflagrations of Troy, Portland, Chicago, and Boston, promptly,
and in full, and continues to insure against Loss or Damage by Fire on reasonable terms.
Cash Capital $200,000.00
Re-insurance Reserve, June 30, 1880 25,218.48
Unpaid Losses and other Liabilities, June 30, 1880 2,307.94
Net Surplus, June 30, 1880 . 36,101.07
Total Assets, " " $263,627.49
WM. A. ANDERSON, President.
C. W. PARMELEE, Secretary.
DIRECTORS :
Wm. A. Anderson, J. B. Rumrill,
Wm. A. Thomson,
Isaac N. Phelps,
Sam'l Colgate,
William Barton,
A. R. Van Nest,
F. Lawrence,
4»-^^-
Czar Dunning,
Joseph Slagg,
W. W. Phelps,
George B. Greer,
James Stokes, Jr.,
Elward Smith,
Chas. B. Colton,
Harman Blauvelt, John C. Hoyt,
Henry Van Schaick, C. W. Parmelee,
O. G. Walbridge, Alexander Rumrill,
L. Bayard Smith, John B. Snook,
W. O. Woodford, A. F. Pearse,
Elbert A Brinckerhoff, George De Forest Barton,
Lester A. Roberts, John G. Davis.
Alfred J. Taylor,
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CHRISTIAN UNION.
HENRY W^ARD BEECHER, ^
LYMAN ABBOTT, (
Editors.
"By all odds the Ablest Religious Journal in the country." — Woonsockct Patriot.
SPECIAL FEATURES FOR 1881.
FAITH AND SKEPTICISM : A series of papers upon Popular Unbelief, by the
Rev. Newman Smyth, D. D., Rev. George Frederick Wright, D. D., Rev. A. P.
Peabody, D. D., Rev. J^lewellyn D. Bevan, D. D., Edward Eggleston, and others.
HINTS ON TEACHING : A series of papers by popular writers upon the Education
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CHURCH MUSIC : A series of papers by the Rev. Chas. S. Robinson, D. D.
THE POET'S HOUSE, by Horace E. Scudder.
COOKERY FOR THE MILLION, by Juliet Corson.
HOME TALKS, by Mrs. Henry Ward Beecher, Miss E. R. Scovil, and Marion Harland.
V Juvenile Stories, Ten-Minute Sermons for Children, Aunt Patience's Writing-Desk, Law for
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The Outlook News of the Churches, Science and Art, Fact and Pvumor.
The following persons have contributed to the columns of the Christian Union during
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Phillips Brooks,
John (i. Whittier,
Judge C. A. Peabody,
E. P. Roe,
Frank H. Converse,
Susan Coolidge,
Hezekiah Butterworth,
John James Piatt,
Constance F. Woolson,
Mrs. S. M. B. Piatt,
E. P. Parker, D. D.
Joel Benton,
M. F. Sweetser,
Josiah Quincy,
President J. H. Seelye,
Eliot McCormick,
Abby Sage Richardson,
Geo. W. W. Houghton,
J. H. Vincent, D. D.
Edgar Fawcett,
Hamilton W. Mabie,
Elizabeth Stuart Phelps,
Kate Field,
S. Parsons, Jr.
Adeline Trafton,
Mrs. Edward Ashley W'alker,
Chas. Dudley Warner,
Alice Wellington Rollins,
Leonard Bacon. D. D.
S. W. Duffield, D. D.
Wayland Hoyt, D. D.
Mrs. D. H. R. Goodale,
Elaine Goodale,
Dora Read Goodale,
Gail Hamilton,
Benjon J. Lossing,
Ray Palmer, D. D.
Bishop F. D. Huntington,
Joseph Cook,
Howard Crosby, D. D.
W. F. Crafts,
Lucretia P. Hale,
James M. Ludlow, D. D.
Percy Browne, D. I>.
Emily Huntington .Miller,
Bishop J. F. Hurst,
Horace E. Scudder,
Prof. Geo. P. Fisher,
Hesba Stretton,
Blanche Willis Howard,
Oliver Johnson,
Sarah O. Jewett,
Louise Stockton,
Leonard Woolsey Bacon,
Mary Ainge De Vere,
Mrs. S. VV. Weitzel,
Helen Campbell,
Mrs. M. E. C. Wyeth,
Charles L. Norton,
Prof. W. S. Tyler, D. D.
John Burroughs,
Lizzie W Champney
Rose Teri-y Cooke,
Harriet McEwan Kimball,
Fred. B. Perkins,
R. W. Dale,
.Stephen H.Tyng.Jr., D.D.
Sarah K. Bolton,
Juliet C. Marsh,
Ella Farman,
Bishop Thos. M. Clark,
A. P. Peabody, D. D.
Sarah J. Prichard,
Mabel S. Emery,
Charles Stuart Pratt,
Prof. Timothy Dwight,
Curtis Guild,
J. Leonard Corning,
Hope Ledyaid,
Millie W. Carpenter,
John Cotton Smith, D. D.
H. H.
Wm. Henry Green, D. D.
Alexander MacLeod, D.D.
John Habberton,
and others.
TERMS : Per Animm, $3.00. To Clergymen, $2.50. Four Months. $1.00.
ADDRESS, THE CHRISTIAN UNION, 22 Washington Square, N., New-York.
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"The foremost religious newspaper of tlie United States."— Joseph Cook.
The Independent seeks the patronage of-the public on three grounds, as follows :
Ist. It is the largest religio^is tiewspapet- published.
2d. It etnploys as eontributors more able ivriters, at home and abroad, than any otJier
weekly neivspaper.
3d,. It gives its readers a wider range of topics and more and fuller dextartments than they
can find elseivhere.
The Independent consists of 32 pages, neatly cut and pasted. ' It is printed from clear type
(we stereotype the pages weekly, and, hence, every issue is really printed with new type) and on
good paper, and mechanically it is unexcelled.
The list of our contributors embraces names which are known throughout the nation. We may
mention some of them.
POETS.
JOHN GREENLEAF WHITTIER,
OLIVER WENDELL HOLMES,
RICHARD HENRY STODDARD,
WRITERS OF
ELIZABETH STUART PHELPS,
HORACE E. SCUDDER,
REBECCA HARDING DAVIS,
LOUISA M. ALCOTT,
EDWARD EVERETT HALE,
SUSAN COOLIDGE,
RELIGIOUS
Pres. NOAH PORTER, D.D., LL.D.,
Pres. S. C. BARTLETT. D.D., LL.D.,
Prof. GEORGE P. FISHER, D.D.,
DANIEL CURRY, D.D., LL.D.,
Bishop E. 0. HAVEN, D.D., LL.D.,
Bishop J. F. HURST, D.D.,
Bishop Henry W. WARREN, D.D.,
JEAN INGELOW,
BRET HARTE,
PAUL H. HAYNE,
JOAQUIN MILLER,
C. P. CRANCH,
ALFRED B. STREET,
SIDNEY LANIER.
FICTION, TRAVELS,
ROSE TERRY COOKE,
HENRY JAMES, Jr.,
SARAH 0. JEWETT,
MARY CLEMMER,
HELEN JACKSON ("H. H."),
"GAIL HAMILTON,"
AND CRITICISM.
WM. M. BAKER,
THOMAS DUNN ENGLISH, LL. D.
Mrs. Gov. LEW WALLACE,
LOUISE CHANDLER MOULTON,
JANE G. SWISSHELM,
Hon. JOSIAH QUINCY.
ANB PHILOSOPHICAL
Prof. E. D. MORRIS, D. D.,
Prof. L. H. ATWATER, D.D.,
Chan. HOWARD CROSBY, D.D.,
Bishop A. C. COXE, D.D., LL.D.,
Bishop J. T. PECK, D.D., LL.D.,
JAMES FREEMAN CLARKE, D.D.,
WM. M. TAYLOR, D.D.,
WRITERS.
T. L. CUYLER, D.D.,
PHILIP SCHAFF, D.D.,
RAY PALMER, D.D.,
G. R. CROOKS, D.D.,
LEONARD BACON, D.D.,
Prof. W. C. WILKINSON.
There is no question of prominence in religion, politics, science, education, finance, or any other
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Several columns of stories and poems adapted to old and young are given every week, with a column
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From time to time sermons by eminent ministers are published. The current topics of the day
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TiHIS SYSTEM has been prepaieil expresslv to meet the wants of
^ those desiring to change their ineseiit. hamlwriting to a more Easy
and Bkautifui- styU-, hy lionie or office practice, without a teaclier.
It is the only American system used in the commercial offices of
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Foi- 1881.
A RELIGIOUS, LITERARY & FAMILY NEWSPAPER.
Established i860.
National, Independent, Bright, and Religious.
Published at No. 15 Murray St. New-York.
TWO DOLLARS A YEAR;
Postage 20 cts. additional.
The Methodist is now in its 21st year of publication, and is a first-class
Religiotis and Family Newspaper. It is published weekly, each issue containing
from twenty to twenty-four pages. It is one of the BEST, and CHEAPEST of the 1
Methodist weeklies. *
DAVID H.WHEELER, D.D., Editor,
DANIEL CURRY, D, D., LL D., Associate Editor,
Assisted by an able staff of Contributors. Among its special attractions are Editorials
on current and religious topics, brilliant and timely Editorial Paragraphs, a weekly
Sermon, Stories for Children, Exposition of the weekly Sunday-school Lesson, a
Serial story, a Department of Church news from all sections of the country.
Missionary Intelligence, Young Men's Christian Associations, Temperance Notes,
excellent Contributed Articles on various themes, and the choicest of selections,
etc., etc.
Canvassers wanted Everywhere, to whom the most liberal Cash Com-
missions will be allowed. For particulars send for Circular.
As an advertising medium for business men, few papers of the
same circulation can cofnpare with The Methodist, as it reaches every
part of the country, and finds its tvay into every State and Territory
of the United States.
H. W. DOUGLAS, Publisher,
15 Murray Street, Ne^w-York.
THE GREENWICH '
INSURANCE COMPANY,
i6i Broadway, New-York.
S6th Semi-Aiinual Statement of Assets.
(This Ooinpany has been. Taniritex-xMii^tedly in. business 46 Yeax-s,
having ComTnenced Bnsiness Jamaary 1, 1S3S.)
JANUARY 1, 1880.
United States Registered Government Bonds (market value) $461,181.25
Loans on Bonds and Mortgages, being first liens on improved real
estate in the City of New- York (the estimated value of same ^
4* being $170,000) 53,176.00 4»
f Real Estate, being five first-class brown-stone apartment dwelling- j-
houses (unincumbered) situated in the City of New- York 50,000.00
Bank Stock (market value) 21,500.00
First Mortgage Railroad Bonds, guaranteed by the New Haven
Railroad Company (market value) 12.000.00
Loans on Call (market value of Securides, $75,543.00) 50.750.00
Cash in Bank and Office • 11.676.41
Interest Due and Accrued (not included in •• market value").... 619.21
Premiums Due 18,912.30
Bills Receivable 1,590.00
$681,405.17
CASH CAPITAL $200,000.00
Outstanding Liabilities (including unpaid losses) 16,302.68
Reserve for Re-insurance 121,352.89
Net Surplus 343.749.60
$681,405.17
SURPLUS as regards Policy-Holders $465, 102.49
MASON A. STONE, SAMUEL C. HARRIOT,
i|i Secretary. President
4»-<^
-^4»'^
■^
T^E
JYeW^Yo^K JiLMJUr^C
FOn
1881
E^ITEl) BY JAMES M. MUDJS'UT.
KEW^YO^K:
FrancU "Sjart 4' Comjiamj, 63 4' 65 Murratj Street, corner College Place.
1881.
^^f^^^
Entered, according to Act of Congress, in the year i88o, by FRANCIS Hart tt CO., in the Oflice of the Librarian of Congress,
at Washington.
!^^4>
f
^4»~£*
THE NEW-YORK ALMANAC,
'1
i:/l)>ifrc/wmieal Pfie/wme/m^ efe.^ /88/,
By Berlin H. Wright, lisq., Penn Yan, N. Y.
Eclipses, 1881.
There will be four Eclipses this year, two of
the Sun and two of the Moon, and a Transit of
the planet Mercury across the Sun's disc.
I. A Partial Eclipse of the Sun, May 27, in-
visible at New-York City ; begins at sunset at
Buffalo. At Chicago, the middle of the eclipse
occurs at sunset, nearly. Visible throughout
Canada, lUinois, Indiana, N. W. Ohio, and the
whole of Michigan and Wisconsin. At Madison,
Wis., the middle occurs exactly at sunset.
II. A Total Eclipse of the Moon, June 11-12,
visible throughout the United States and
Canada.
Eclipse
begins.
H. M.
Boston o 27 AMJ
Buffalo II 56 PM
Charleston ii 52
Chicago II 21
Cincinnati 11 33
Detroit 11 39
Kansas City 10 53
New Orleans. ... 11 11
New- York City., o 15 AM
Philadelphia....! c
Richmond, Va. .1 (
San Francisco.. .1 c
Washington, D. CI o 3 AM
Total
begins.
Middle.
H. M.
H. M.
I 29 AM
2 10 AM
0 58 "
139 "
0 54 "
I 35 "
0 23 "
14"
0 35
I 16 "
0 41 "
I 22 '
II 55 PM
0 36 "
0 13 AM
0 54 "
1 17 •'
158 '■
I 13 ■'
1 54
I 3 "
1 44 "
10 4 PM
10 45 PM
I SAM
I 46 AM
' Eclipse
H. M. iH.M.
2 SI AM 3 53 AM
2 20 " 13 22 "
17 2 19
.35 " ,2 37
39 " !3 41
35 " '3 37
25 " 3 27
26 PM o 28
27 AM 3 29
Duration of totality, i h. 22 ni.
III. An Annular Eclipse of the Sun, Nov. 21,
invisible in North America.
IV. A Partial Eclipse of the Moon, Dec. 5,
invisible in America.
V. A Transit of the planet Mercury over the
Sun's disc, Nov. 7. The beginning, or ingress,
only will be visible in the United States, and
that in the western part. Transit begins as
follows :
H. M.
Chicago 4 26 PM
Cincinnati ... 4 38 "
Springfield, 111. 4 18 "
Indianapolis 432 "
Nashville 4 29 "
San Francisco, 2 7 pm
Denver 3 8 "
Kansas City. . 3 57 "
St. Louis 4 15 "
New Orleans ,4 2 "
Movable Feasts.
Septtiagesima Sunday February 13
Sexagesima Sunday February 20
Quinquagesima Sunday February 27
Ash Wednesday March 2
Quadragesima Sunday March 6
Mid-I^ent Sundav March 20
Palm Sunday April 10
Good Friday April 15
Easter Sunday April 17
Low Sunday April 24
Rogation Sunday May 22
Ascension Day May 26
Whit Sunday (Pentecost) June 5
Trinity Sunday June 12
Corpus Christi June 16
Advent Sunday November 27
Chronological Cycles.
Dominical Letter B
Epact (Moon's Age, Jan. i) 30
Lunar Cycle (Golden Number) i
Solar Cycle 14
Roman Indiction 9
Jewish Lunar Cycle 17
Dionysian Period 210
Julian Period ^594
Morning Stars,
Mercury, until January 25, and from March 11
to May 17 ; July 17 to Aug. 31 ; and after Nov. 7.
Venus, after May 3.
Mars, until September 21.
Jupiter, from April 22 to August 17.
Saturn, from April 21 to August 4.
Uranus, from September 6 to December 10.
Neptune, from May 4 to August 8.
Evening Stars.
Mercury, from January 26 to March 11 ; May
17 to July 17 ; and August 31 to November 7.
Venus, until May 3.
Mars, after September 21.
Jupiter, until April 22, and after August 17.
Saturn, until April 21, and after August 4.
Uranus, until September 6, and after Dec. 10.
Neptune, until May 4, and after August 8.
Planets Brightest.
Mercury, February 20-23, June 17-20, and
October 13-16, rising then before the Sun ; also,
April 7-10, August 6-9, and November 24-27,
setting then after the Sun. Venus, March 27.
Mars, December 27. Jupiter, November 13.
Saturn, November i. Uranus, March i.
Neptune, November 7.
4»~g*-
*^4»«£^
-^3^
t-
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^
*
THE NEW-YORK ALMANAC,
"t
The Seasons.
WASHINGTON MEAN TIME.
Winter begins, 1880, December 21, 5 h. 12 m.
morning, and lasts 89 d. o h. 54 m.
Spring begins, 1881, March 20, 6 h. 5 m.
morning, and lasts 92 d. 20 h. 12 m.
Summer begins, 1881, June 21, 2 h. 17 m
morning, and lasts 93 d. 14 h. 25 m.
Autumn begins, 1881, September 22, 4h. 42 m.
evening, and lasts 89 d. 18 h. 10 m.
Winter begins, 1881, December 21, 10 h. 52 m.
morning.
Tropical year, 365 d. 5 h. 41 m.
Ember Days.
The Wednesday, Friday and Saturday after
the first Sunday in Lent, March 9, 11 and 12 ;
Wednesday, Friday and Saturday after Pente-
cost, June 8, 10 and 11 ; also, September 21, 23
and 24, and December 14, 16 and 17.
Moon Apogee, Perigee. Highest and Lowest.
MONTH.
Moon
Apogee.
Moon
Perigee.
Moon
Highest.
Moon
Lowest.
January ....
February . . .
March
April
May
June
July
August
September .
October
November. .
December . .
13
10
10
6
4
1-28
26
22
18
16
13
II
28
26
25
19
16
13
II
9
6
4-31
2S
23
II
8
7
3
1-28
24
21
18
14
11
8
5
26
22
21
17
15
II
9
5
1-28
26
22
19
Calendar Explanations.
In the columns of Moon's rising and setting,
the time of only one of these events is given for
each day — that one which occurs vi^hile the Sun
is down. When the word "rises" is found in
the column, the Moon is at the full, and the fig-
ures following that word are P. M., or evening,
until the word " morn," which means midnight.
From " morn" the figures are A. M., the Moon
rising in the morning before the Sun is up.
Then after the word " sets," the time of setting
is given, which grows later and later, from early
evening until early morning, until the Moon
again is at the full.
To get the correct time, use a meridian line
and set your time-piece by the time given under
" Sun at noon mark." The times of Sun's rising
and setting are exact only where the Earth's
surface is level.
The Zodiac and its Signs,
Spring Signs. j Autumn Signs.
T Aries. | 7. ^ Libra.
2.
» Taurus.
8. TTl Scorpio.
3-
n Gemini.
9. t Sagittarius.
Summer Signs.
Winter Signs.
4-
is Cancer.
10. \3 Capricornus
5-
si Leo.
II. »Vv> Aquarius.
6.
m Virgo.
12. K Pisces.
The Zodiac is an imaginary belt in the
heavens, sixteen or eighteen degrees broad, in
the middle of which is the ecliptic or Sun's path.
The stars in this belt comprise the twelve con-
stellations, being separable into that number of
groups. The groups were given by the ancients
the names they now bear, on account of real or
fancied resemblances. They are called the
Signs of the Zodiac. The above classification
refers to the position of the Sun. The Moon
passes through them all every 27 d. 7 h. 43 m.
II. 5 s. The ancients supposed their position
at the time of a person's birth, to have an
influence on his character and destiny. They
connected the different Signs of the Zodiac with
different parts of the body as above. Some
people still consult their almanacs when about
to plant certain vegetables. Probably there is
about as much sense in one as the other. The
classification serves a useful purpose, however,
as the prominent stars in each constellation are
known by different letters of the Greek alphabet,
and hence are easily designated.
-s-4»"^
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^4t-€*-
^4f
THE NE\A/^-YORK ALMANAC
'ITTE may say without fear of contradiction
V V that, among the modern agencies of our
industrial system, insurance is second to none.
It is not a creative power, like industry itself; it
is not distributive, like transportation and com-
merce ; it is not even a motor, like finance ; but
like government, and to an extent scarcely in-
ferior, it is protective. Were it to be suppressed
or in any way seriously affected in its workings,
our social body, no matter how perfect in every
other part of its machinery, would soon be par-
alyzed or correspondingly depressed in all its
functions. Its beneficent effects have justified
the saying of a French economist, that it was
the most efficient, if not, perhaps, the only
practical means by which the moral idea of
philanthropy could be introduced into the do-
main of political economy. — America.
/* LL young men should aim to save some-
r\. thing, even at the expense of a limited
wardrobe and many little things they think
necessary. If there were none but young men
here, I would say, that from the first year when
I entered a store, with a salary of fifty dollars, to
my last year, when, as a salesman, I received,
for those days, very large pay, I never failed to
save a part ; and, when I started in business,
those savings and my experience were all my
capital. — William E. Dodge.
" T am. in good health, and have the prospect of
-L long life, — -why should I insure my life'?"
None but those in your condition can get their
lives insured ; but not all in that condition live
to old age, as the records of life companies
abundantly prove.
First Month.
JAXUA%Y, 1881. r,>^,..^ B.,..
%
<
>■
K
(-
z
0
0
0
>■
<
Q
a
I
I
2
2
3
3
4
4
5
6
6
7
8
8
9
9
lO
10
II
11
12
12
13
13
14
14
15
16
15
16
17
18
17
18
19
19
20
20
21
21
22
22
23
23
24
24
25
26
25
26
27
28
27
28
29
29
30
30
31
31
Life Insurance
Phenomkna
for the most health-
ful por 1 ions of
THE United states,
THE Dominion ok Canada,
Great Britain and
Ireland,
France and Belgium.
Sat During- the ruonth
,S of January, 1880,
Mon the New- York Life
Tues Insiu'auce Co. paid
Wed 3 6 death-claims
Thur on the lives of 31
Fri persons. The
Sat -whole amount paid
S -was $86,737.00,
Mon an averag-e of
Tues over $2700 to each
Wed : family. The premi-
Thur ums paid on these
Fri policies, less the
Sat dividends re-
,S turned by the Com-
Mon pany, amounted to
Tues $40,474.29, an
Wed averag-e of less
Thur than $1400 to
Fri ,; each family. The
Sat gain to the fami-
jS !' lies of the deceased
Mon -was, therefore,
Tues $46,262.71, an
Wed a V erage of over
Thur $1400 each. For
Fri ji each $100 paid to
Sat I the Company, they
S I'; received $214.55.
Mon !
Calendar for Calendar for
BOSTON. NEW ENC.LAND N^V.CITV. P---^^^^^
N.Y. stath. Michigan,
Wisconsin, Iowa
AND Oregon.
Sun Sun
Itises Sets.
H. M.
7 3°
7 30
7 30
7
H. W.
Boston
4 38
4 39
4 40
4 41
4 42
4 43
4 44
4 45
4 46
4 47
4 48
4 50
4 51
4 52
4 53
4 54
4 55
4 56
58
59
H. M. H. M
6 22 I mom
7 40 40
8 55
Jersey, Pennsylvania,!
I Ohio, INDIANA AND I
Illinois. I
*
10 7
11 16
morn
23
1 29
2 18
3 2|
3 49 1
4 39
1 2» 5 33
2 29 6 29
3 29 7 27
4 26J 8 26
.5 19 1 9 19
6 4 1 10 8
6 46 I lo 54
rises II 34
6 23
724
8 24
9 25
10 28
11 33
morn
41
I 49
3 o
4 8
5 8
6 o
643
sets
7 42
ev. II
49
1 2b
2 5
243
3 24
4 9
5 4
6 8
7 19
8 31 I
938
10 39
11 32 '
morn
18
Sun
Sun
Moon
H.W. !
Rises
Sets.
Sets.
N.Y.;
H. M.
H.M.
H. M.
H.M. j
7 25
4 43
626
9 26 1
7 25
4 44
7 43
10 14 ^
7 25
4 45
8 55
II 0
7 25
44b
10 7
II 47 ;
7 25
4 47
II 15
morn
7 25
448
morn
3S|'
7 25
4 49
20
I 2.6. ;
7 24
4 50
I 24
2 19 1
7 24
4 51
2 25
3 IS V
7 24
4 52
3 25
412
7 24
4 53
4 20
5 II
7 23
4 54
513
6 5 il
7 23
4 55
5 59
654 !'
7 23
4 5&
6 42
I 3J ■
7 22
4 57
rises
8 16 ;'
7 22
4 59
626
8 .57 |!
7 21
5 0
7 26'
9 35
7 21
S I
824
10 11
7 21
5 2
925
1047
7 20
5 3
10 27
II 25 !
7 19
5 4
II 30
ev. 9
7 i«
S 5
morn
56
7 17
5 7
37
I 42 1
7 17
5 8
I 45
2 54 :
71b
5 9
25s
4 41!
7 lb
5 10
4 2
526 il
7 15
5 11
5 2
6 24
7 14
5 13
55b
l'^'^ \
7 13
5 14
6 40
8 25 1
7 12
5 15
sets
9 4H
7 12
5 lii
7 43
9 49
Calendar for
Washington, Mary-
land, VIRGINIA,
Kentucky, Missouri
and california.
Moon J.
South. W
H. .M.
1 14
2 II
3 5
3 55
4 43
5 30
6 17
7 4
7 52
8 41
9 31
10 20
11 9
II 56
mom
41
1 25
2 8
2 50
3 33
4 17
5 3
5 53
646
7 44
846
9 49
1052
II 52
ev.48
I 41
Sun
S
un
Mooni
Rises
Sets
Sets-
H.M.
H
M.
H. M.
719
4 49
6 29 1
7 19
4
50
7 45
7 19
4
SI
858!
7 19
4
52
10 7I
7 19
4
52
II 13
7 19
4
53
morn
1 19
4
54
18
7 19
4
55
I 21
7 19
4
Sb
2 21
7 19
4
57
319
7 19
4
58
4 15
7 18
4
59
5 7
7 18
5
0
5 53
718
5
I
636
718
5
2
rises
7 17
5
3
6 29
7 17
5
5
7 27
7 ifa
S
b
8 25
7 lb
5
7
924
7 15
5
8
10 2S
7 IS
5
9
II 28
7 14
S
10
mom
7 14
5
II
34
7 13
S
12
140
7 12
.S
13
2 50
7 12
5
15
356
7 II
5
lb
4 57
7 10
S
17
551
7 9
5
18
636
7 n
S
19
sets
7 8
S
20
7 44I
Moon's. PHASES.
BOSTON.
NEW-TfORK.
Washington.
CHARLESTON.
SUN
NOON
AT
MARK.
D.
H. M.
H. M.
H. M.
H. M'.
D.-.
H.
M. S.
First Quarter,
7
3 25 Morning.
3 13 Morning.
3 I Morning.
2 49 Morning.
I
12
4 6
Full Moon,
15
6 50 Morning.
6 38 Morning.
6 26 Morning.
6 14 Morning;
9
12
7 37
Last Quarter,
23
4 4 Morning.
3 52 Morning.
3 40 Morning.
3 28 Morning.
ir
12
10 33
New Moon,
29
8 4 Evening.
7 52 Evening.
7 40 Evening.
7 28 Evening.
25
12
12 42
♦-s*--
*^«ii-<^
.4r«^'
-^4*
^^
-=j3-4»«£^
THE NEW-YORK ALMANAC
«♦
¥
THE man whose house burns without insurance
still lives to build another house over his
family's head ; but the man who dies uninsured
leaves his family to fight the battle of life alone.
His children will not starve, probably, but they
may lack food for the mind and for the soul that
is more precious than daily bread, and pangs
more severe than those of hunger must pierce
the heart of one who remembers in his last hours
that he might with ordinary prudence have left
them a competence.
LADY: "A pretty sight, isn't it doctor? I
don't see any of your little ones here. I hope
you don't disapprove of juvenile parties ? " Dr.
Littletums (famous for his diagnosis of infantile
diseases): "I, my dear madam? On the
contrary, I live by them ! "
YOU will not be sorry for hearing before judg-
ing, for thinking before speaking, for holding
an angry tongue, for stopping the ear to a
tale-bearer, for disbelieving most of the ill
reports, for being kind to the distressed, for
being patient toward everybody, for doing good
to all men, for asking pardon for all wrongs,
for speaking evil of no one, for being courteous
to all.
/have enough to support viy family in case of
my death."
Would not it be wise to put a part of your
abundance in endowment insurance, thus placing
it beyond the possibility of loss by bad invest-
ments, thieves and fire, and so make stire of a
continuance of your present easy circimistances ?
No man is so wise that he may not err.
Second Month.
FEBiiV^llY, 1881.
Tuienty-eigkt Days.
I
K
•<
Z
0
S
■^
b
0
0
>
>
<
<
u
U
32
I
33
2
34
3
IS
4
36
5
37
6
3a
7
39
8
40
9
41
10
42
II
43
12
44
13
45
14
46
15
47
16
48
17
49
18
50
19
51
20
52
21
53
22
54
23
S5
24
56
25
57
2fa
5«
27
59
28
life insurance
Phenomena
for the most heai-th-
ful fori ions of
THE Unitf.d States,
THE DOMINION OF Canada,
Great Britain and
Ireland,
France and Belgium.
Tues i
Wed I
Thur,
Fri i
Sat i
S '
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
^
Mon
Tues
Wed
Thur
Fri
Sat
Mon
During' the month
of February, 1880,
the New-York Life
Insurance Co. paid
40 death-claims
on the lives of 34
persons. The
whole amount paid
was $143,692.00,
an averag-e of
over $4200 to each
family. The premi-
ums paid on these
policies, less the
dividends re-
turned by the Com-
pany, amounted to
$56,086.24, an
averag-e of less
than $1700 to
each family. The
g-ain to the fami-
lies of the deceased
was, therefore,
$87,605.76, an
averag-e of over
$2500 each. For
each $100 paid to
the Company, they
received $256.19.
Calendar for
Boston, New England'
N.-y. State, Michigan,
Wisconsin, idvva
and Oregon.
H. M.
7 14
7 13
7
7
7
7 9
7
7
7
7
7
7
7
6 59
6 57
6 56
6 54
6 53
6 52
6 50
6 48
6 47
6 45
6 44
6 42
6 41
6 39
6 38
Sun
Moon
Sets.
Sets.
H.M.
H. M.
5 14
8 55
5 15
10 3
5 lb
II 13
5 i«
morn
5 19
17
5 21
I 20
5 22
2 17
5 23
3 12
5 24
4 I
S 25
4 43
S 26
5 21
528
5 54
5 2Q
rises
5 30
616
5 32
718
5 33
8 21
5 35
9 25
5 3t.
10 31
5 3«
II 39
5 39
morn
5 40
47
5 42
I 53
5 43
2 55
5 45
34a
5 4f
4 34
5 47
5 12
5 49
54b
s 50
sets
2 32
3 17
4 4
458
5 55
658
7 56
851
941
10 25
11 6
II 42
ev. 19
56
1 34
2 IS
2 58
3 47
4 45
5 53
7 7
8 18
9 22
10 19
11 8
II 53
Calendar for
N. Y. City, philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Sun
7 II
7 10
7 9
7 7
7 6
7 5
7 4
7 3
7 2
7 I
7 o
6 58
6 57
6 56
655
, 6 53
!6 52
1 6 51
649
6 48
6 46
1 6 45
6 44
6 42
6 41
6 39
6 38
6 37
Sun
Moon
Sets.
Sets.
H.M.
H. M.
5 18
854
5 19
ID I
5 20
II 10
5 21
morn
S 22
13
5 23
I 15
5 25
2 12
5 2b
3 7
5 27
3 55
5 28
4 38
5 30
5 17
5 31
550
5 32
rises
5 34
bi7
5 35
718
53b
8 20
5 37
923
5 39
1028
5 4°
II 35
5 41
morn
5 43
43
5 44
I 47
5 45
2 50
5 4b
3 43
5 48
430
5 49
5 9
5 50
5 44
5 51
sets
1032
II 15
morn
2
51
145
2 41
3 43
441
5 36
b 27
7 10
748
8 25
9 5
942
10 19
1057
11 42
ev.33
1 32
2 39
3 52
5 2
b 8
7 5
7 50
836
Calendar for
Washington, Mary-
land, Virginia,
Kentucky, missoiiri
AND California.
Sun
Rises
7 7
7 6
7 5
7 4
■7 3
7 2
7 I
7 o
b 59
6 58
b 57
b 55
6 54
b 53
b 52
b 51
6 49
6 48
6 47
6 46
6 44
b 43
b 42
6 40
b 38
b 37
6 3b
b 34
Sun
Sets
Moon
Sets.
H.M.
H. M.
5 21
854
5 23
9 59
5 24
II 7
5 2^
morn
5 26
9
5 27
I 10
5 28
2 7
5 29
3 I
5 30
350
5 32
4 33
5 33
5 34
5 12
5 4b
5 36
5 38
nses
b 19
718
5 39
8 19
5 40
9 21
5 41
10 25
5 42
II 31
5 44
morn
5 45
5 4b
37
I 40
5 47
5 48
2 44
338
5 49
5 51
4 25
5 b
5 52
5 53
5 42
sets
4
2 32
3 21
4 10
458
5 47
63b
7 26
8 lb
9 4
9 52
10 38
11 23
morn
6
49
1 32
2 lb
3 50
441
53b
634
7 35
835
9 34
10 31
11 25
ev. 17
Moon's phases.
Boston.
New-York.
■Washington.
Charleston.
sun
noon
AT
wark.
First Quarter,
Full Moon,
Last Quarter,
J J New Moon,
D.
5
14
21
28
H. M.
8 10 Evening.
1 40 Morning.
2 4b Evening.
C 48 Morning.
H. M.
7 58 Evening.
1 28 Morning.
2 34 Evening,
b 3b Morning.
H. l\l.
7 46 Evening.
1 lb Morning.
2 22 Evening.
6 24 Morning.
H. M.
7 34 Evening.
1 4 Morning.
2 10 Evening.
6 12 Morning.
D.
I
9
17
25
H.
12
12
12
12
M. S.
13 55
14 28
14 II
13 10
4»«^-
-^•4»-^
-^-4»
r
^^§6-5^^
THE NEVsT-YORK ALMANAC
-^•4^«^
THE NEW-YORK ALMANAC
THE publication of the annual reports of the
various life-insurance companies, showing,
as they do, the transaction of an immense
business, suggests the question : Why do so
many men invest money in life insurance ? The
answer, we take it, is briefly this : Because there
is no other way in which they can secure their
families against a serious danger. That danger
is that they will die early in life and leave their
families without the means of a comfortable and
independent support. Just here the life insur-
ance company steps in and offers, in consideration
of the payment of a small sum each year until
death, to pay the family a large sum at death,
whenever that shall take place ; therefore, men
see at once that life insurance can do for them
what nothing else can, viz.: It can convert the
probability of life — which every healthy man
has — and a small sum of money — which every
healthy man ought to have— into a large sum of
money in case of death.
7 am in debt, and wish to pay my creditors as fast
as possible."
Would it not be better to go a little more
slowly, provided you might ^6» much more surely f
Life insurance may serve to make the payment
of a debt to creditors sure in the same manner
that it enables a man to make the support of his
family sure.
A MINISTER, in one of his parochial visits,
met a cow-herder, and asked him what
o'clock it was. "About twelve, sir," was the
reply. "Well," quoth the minister, " I thought
it had been more." " It's never any more here,"
said the boy. " It just begins at one again."
Third Month.
MJi'ReU, 1881.
Tkirty-one Days.
X
<
>
H
2
0
s
u.
b
o
0
^
>
<
<
Q
Q
60
I
61
2
62
3
63
4
04
5
6s
6
66
7
67
8
68
P
69
10
70
II
71
12
72
13
73
14
74
15
7S
16
76
17
77
iB
7»
19
79
20
80
21
81
22
82
23
8^
24
84
2S
«S
2b
86
27
87
28
88
29
89
30
90
31
Tuc
Wed
Thiir
Fri
Sat
Mon
Tues
Wed
Thur
Fri I
Sat !
S I
Mon
Tues
Wed
Thur j
Fri I
S_at !
Mon \
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur!
Life Insurance
Phenomena
for the most health-
FUL PORl IONS OF
THE United States,
1 HE Dominion of Canada,
Great Britain and
Ireland,
France and Belgium.
During- the month,
of March, 1880,
the New- York Life
Insurance Co. paid
48 death-claims
on the lives of 41
persons. The
whole amount paid
was $121,892.00,
an ave rage of
over $2900 to each
family. The premi-
ums paid on these
policies, less the
dividends re-
turned by the Com-
pany, amounted to
$50,387.52, an
average of less
than $18 00 to
each family. The
gain to the fami-
lies of the deceased
was, therefore,
$71,504.48, an
average of over
$1700 each. For
each $100 paid to
the Company, they
received $241.90.
Calendar for
Boston, New Englani.
N.Y. State, Michigan,
Wisconsin, Iowa
and Oregon.
Sun Sun Moon j H. VV.
Rises Sets. Sets. (Boston
H. M.
6 36
6 35
6 33
6 31
6 30
6 28
6 26
6 25
6 23
6 21
6 20
6 18
6 16
6 14
6 13
6 II
6 9
6 7
6 6
6 4
6 2
6 o
5 59
5 57
5 55
H.M.
5 51
5 52
5 53
5 54
5 55
556
5 57
5 58
5 59
6 o
6 3
6 4
6 5
6 6
6 7
6 9
6 10
6 II
6 12
6 13
6 14
6 15
6 17
6 18
6 19
6 20
6 21
6 22
6 23
6 24
H. M.
7 41
851
9 59
II 4
1 54
2 44
3 29
3 52
4 24
4 50
5 17
rises
7 15
8 22
9 29
1039
II 45
mom
47
1 43
2 30
3 6
3 44
4 15
4 44
5 12
sets
835
H. M.
mom
34
1 ]8
2 3
2 46
3 34
4 27
5 25
6 23
7 22
8 16
9 4
951
1033
II 12
II 49
ev.27
I 9
1 53
2 42
3 36
4 37
5 47
6 57
8 I
9 3
9 55
1043
II 26
morn
9
Calendar for
N. Y. City, Philadelph.
Connecticut,
new
Jersey, Pennsylvania,
Ohio, Indiana and
AND California.
Illinois.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
Moon
Rises
Sets.
H.M.
Sets.
N.Y.
Kises
Sets
H.M.
Sets.
South.
H. M.
H. M.
H.M.
H.M.
H. M.
H. M.
6 3S
5 53
740
9 20
633
5 54
7 39
1 8
6 34
5 53
848
ID 4
6 32
5 55
846
158
6 32
5 54
9 55
1045
6 30
5 5b
952
248
0 30
5 55
II 0
II 30
6 29
5 57
1055
3 3^
6 29
5 56
mom
morn
6 27
5 57
1156
428
6 27
S 57
I
20
6 26
5 58
morn
5 19
6 2S
5 58
58
I 14
6 24
5 59
52
6 9
6 24
5 59
148
2 II
6 23
6 0
I 43
658
6 22
6 0
239
3 9
6 21
6 I
233
7 47
6 20
6 I
3 25
4 7
6 20
6 2
320
833
6 19
6 2
348
5 0
6 18
6 3
3 44
9 18
6 17
6 3
4 21
5 52
6 17
6 4
4 17
10 2
6 16
6 4
448
637
6 15
6 5
4 46
10 46
6 14
6 5
516
7:8
6 13
6 6
5 15
II 29
6 12
6 6
rises
7 54
6 12
6 7
rises
morn
6 II
6 8
7 14
832
6 10
6 8
7 12
13
6 9
6 9
8 19
9 14
6 9
6 9
8 16
59
6 7
6 10
9 26
9 55
6 7
6 10
9 22
I 47
6 6
6 II
1034
1038
6 6
6 11
10 29
238
6 4
6 12
II 40
II 24
6 4
6 12
II 35
332
6 2
6 13
morn
ev.22
6 3
b 13
morn
4 30
6 I
6 14
41
I 24
6 I
6 14
36
528
5 59
6 IS
I 38
2 33 1
5 59
6 15
I 32
628
5 S8
6 16
225
342 :
558
6 16
2 20
72s
5 56
6 17
3 3
4 46
5 56
6 17
2 59
8 21
5 54
6 18
342
548
5 54
6 18
3 39
9 15
5 52
6 19
4 13
641
5 53
6 19
4 12
10 6
5 51
6 20
4 44
727
5 51
6 19
4 44
10 56
5 49
6 21
5 13
8 9|
5 50
6 20
5 14
II 46
5 47
6 22
sets
854
548
6 21
sets
ev.36
5 45
6 23
831
936 !
5 47
6 22
827
I 26
Moon's Phases.
First Quarter,
Full Moon,
L.ist Quarter,
^ New Moon,
4r<£^
Boston.
New-York.
Washington.
H. M.
H. M
h. m.
3 18 Evening.
3 6 Evening.
2 54 Evening.
5 53 Evening.
S 41 Evening.
5 29 Evening.
10 46 Evening.
10 34 Evening.
10 22 Evening.
S 48 Evening.
5 36 Evening.
5 24 Evening.
Charleston.
SUN AT
NOON MARK.
h. m.
D.
h.
M. S.
2 42 Evening.
I
12
12 26
5 17 Evening.
9
12
10 34
10 10 Evening.
17
12
8 20
5 12 Evening.
25
12
5 54
-<«-4i"g^
4
r
^>4.-<
10
THE NEW-YORK ALMANAC
t
WE have all had our laugh, doubtless, over
the logic of that care-free individual who
did not repair his house in fair weather because
there was no need of it then, and could not when
it rained, because it rained. But how much wiser
or more conclusive is the reasoning of some
persons who refuse to insure their lives? If an
agent goes to them while they are in good health
and suggests insurance, they inflate their lungs,
square tlieir shoulders, and reply: "Do I look
like a man just ready to pine away ? My father
lived till he was eighty, and my grandfather until
he was eighty-five, and a funeral in our family
occurs so seldom that we can hardly remember
from one to another." It is fair weather now,
and, of course, it would be a great waste of time
and money to prepare for a storm ! But when
the storm comes, — as come it does, sooner or
later, — then, of course, the house cannot be
repaired because of it. No man can get his life
insured after he is certain that he will need the
insurance soon, — or rather the zW(?»2««Vr — because
he does need the insurance when he is well and
strong, needs to be assured that when he dies he
will not leave his family penniless as well as
fatherless.
AN Irish hostler was sent to bring forth a
traveler's horse. Not knowing which of the
two strange horses in the stable belonged to the
traveler, and wishing to avoid the appearance of
ignorance in his business, he saddled both
animals and brought them to the door. The
traveler pointed out his horse, saying, "That's
my nag. " "I knew that, your honor, but I didn't
know which was the other gintleman's."
Fourth Month.
APUlL, 1881.
Thirty Days.
^5
>
a
§
o
II.
0
>•
<
0
I
91
I
92
2
93
3
94
4
96
5
6
97
98
7
8
99
9
100
lO
lOI
11
102
12
103
^3
104
14
105
106
15
16
107
108
17
i8
109
19
no
20
III
21
112
22
"3
23
114
24
I'S
2S
116
26
117
118
27
28
119
29
120
30
LIFE INSURANCE
PHENOMENA
FOR THE MOST HEALTH-
FUL PORTIONS OF
THE UNITED STATES,
I'HE Dominion ok Canada,
Gkeat Britain and
Ireland,
France and Belgium.
Fri
Sat
Moil
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
S_at
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
During' the month
of April, 1880,
the New- York Life
Insvirance Co. paid
39 death-claims
on the lives of 33
persons. The
■whole amount paid
was $163,452.00,
an average of
over $4900 to each
family. The premi-
ums paid on these
policies, less the
dividends re-
turned by the Com-
pany, amounted to
$79,551.47, an
average of less
than $2500 to
each family. The
gain to the fami-
lies of the deceased
was, therefore,
$83,900.53, an
average of over
$2500 each. For
eacli $100 paid to
the Company, they
received $205.46.
Calendar for
Boston, New Englandi
N. Y. State, Michigan,
Wisconsin, Iowa
AND Oregon.
i Sun
Sun
Moon
H. W.
jRises
Sets.
Sets.
Boston
H. M.
H.M.
H. M.
H. M.
5 43
6 25
950
50
5 41
6 27
1049
143
5 40
6 28
II 44
2 19
S S8
6 29
morn
3 7
5 36
6 30
33
35b
5 35
631
I 15
450
5 33
6 32
I 51
5 46
5 3t
633
2 23
6 40
5 30
b 34
2 51
7 34
5 2a
6 3b
3i«
825
S 2b
b 37
3 33
9 II
5 25
6 38
4 a
956
5 23
b 39
434
1039
5 21
b 40
rises
11 20
5 20
641
8 26
ev. 4
5 i^
6 42
9 35
49
5 lb
b 43
ID 41
I 41
5 15
b 4S
II 37
234'
5 13
b 4b
morn
329
5 12
6 47
28
429
5 10
b 4»
I 10
5 33
5 9
6 49
I 45
638
5 7
6 50
2 17
7 39 1
5 b
b 51
245
a3s'
5 4
b 52
3 12
9 28 !
S 3
bS3
3 41
10 IS 1
! s '
b ,'J5
4 2
II II ,
:s 0
6 .Sb
sets
II 40
14 5H
b ,S7
a 35
morn)
; 4 57
b 5«
9 33
26 j
Calendar for
N. Y. City, Philadelph,
CONNECTICU T, NEW
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Sun
Sur.
Moon
Rises
Sets.
Sets.
H.M.
H.M.
H. M.
5 44
624
9 45
5 42
b 2b
1044
s 41
6 27
II 39
5 39
b 2«
morn
5 37
6 79
27
5 3b
6 30
I 10
5 34
b 31
I 47
5 33
6 32
2 19
5 31
b 33
2 49
5 30
b 34
31b
5 28
b ^S
3 32
5 26
b 36
4 9
5 25
b 37
436
5 24
b 38
rises
5 22
b 39
8 22
5 20
6 40
9 30
5 19
b4i
10 36
5 17
6 42
II 32
5 lb
b 43
morn
5 14
b 44
23
5 13
b 45
I 6
5 II
b 46
I 42
5 10
6 47
2 15
5 »
b 48
245
5 7
b 49
3 13
5 b
6 50
3 43
5 4
b 51
4 15
5 3
6 52
sets
5 2
b53
»3i
5 0
bS5
927
Calendar for
Washington, Mary-
land, Virginia,
Kentucky, Missouri JL
and California. w
Moon's Phases.
D.
First Quarter,
6
Full INIoon,
14
Last Quarter,
21
New Moon,
28
Boston.
New-York.
Washington.
Charleston.
SUN at
noon mark.
H. M.
h. m
H. M.
H. M.
D.
H.
M. S.
II ID Morning.
10 58 Morning.
10 46 Morning.
ID 34 Morning.
I
12
3 47
7 6 Morning.
6 54 Morning.
6 42 Morning.
5 30 Morning.
9
12
I 48
4 54 Morning.
4 42 Morning.
4 30 Morning.
4 18 Morning.
17
II
59 25
S 40 Morning.
5 28 Morning.
5 16 Morning.
S 4 Morning.
25
II
57 47
4»"^-
>4»"^
--^•4^
•=^-
f
^4^
THE NEW-YORK ALMANAC,
11
■^
1-2
THE NEW-YORK ALMANAC
''T^HE man who never expects to marry ought
J. to insure his life on the endowment plan,
because, if he keeps his resolution, he must pro-
vide for his own old age in advance. Money
invested in business may be lost ; illness may
prevent savings after middle age ; but a paid-up
endowment policy in the New-York Life, due
when the man is, say, sixty years old, will bring
him the amount of the policy on his sixtieth
birthday just as surely as he lives to see it. The
rates are low for you now, young man ; pay up
a policy, and see if you don't sleep better for it.
WE ought always to deal justly, not only with
those who are just to us, but likewise with
those who endeavor to injure us; and this, too,
for fear lest, by rendering them evil for evil, we
should fall into the same vice. — Hierocles.
' ' T am going to insure sometime -ivhen I have more
J- leisure."
All the considerations which urge a man to
insure his life likewise urge him to insure at
once. Imperative duties, sudden illness or
injury, may make it impossible, or even end life
itself. The man who is insurable and intends
to insure, ought to beware how he puts his crown
and scepter into the hands of to-morrow.
JUGSON : " What am I agoin' to plant 'ere,
miss? why, 'taters; the wery roots as Sir
Walter Rally— him wot fust made 'bacca —
hinvented three hundred years ago." Young
Lady : " Why, you are quite an educated man."
Jugson : " And I ought to be, miss, 'cos I onst
used to sweep out a school-house for a livin'."
— (London) Fun-
Fifth Month.
MAY, 1881.
Thirty-one Days.
%
121
122
123
124
126
127
128
129
130
131
132
134
135
136
^37
138
139
140
141
142
143
144
J45
146
147
148
149
150
iSi
X
H
X
Z
0
u
s
?
ll.
u.
0
0
>
><
<
<
Q
Q
I
S
2
Mon
3
Tues
4
Wed
5
Thur
fi
Fri
7
Sat
8
S
9
Mon ;
10
Tues
II
Wed
12
Thur
^3
Fri
14
Sat
IS
^
16
Mon
17
Tues
18
Wed 1
ip
Thur
20
Fri
21
Sat
22
S
23
Mon
24
Tues
25
Wed
26
Thur
Fri
28
Sat
29
a
30
Mon
31
Tues
Life Insurance
Phenomena
for the most health-
ful por1 ions of
THE United States,
THE Dominion of Canada,
Great Britain and
Ireland,
France and Belgium.
During: the month
of May, 1880,
the New- York Life
Insurance Co. paid
41 death-claims
on the lives of 33
persons. The
■whole amount paid
was $142,716.00,
an averagre of
over $4300 to each
family. The premi-
ums paid on these
policies, less the
dividends re-
turned by the Com-
pany, amounted to
$55,428.93, an
average of less
than $1700 to
each family. The
^ain to the fami-
lies of the deceased
was, therefore,
$87,287.07, an
a V erage of over
$2600 each. For
each $100 paid to
the Company, they
received $257.65.
Calendar for
Boston, New England
N.Y. State, Michigan,
Wisconsin, Iowa
and Oregon.
Sun Sun Moon H. W.
Rises Sets. Sets. Boston
H. M.
4 56
4 54
4 49
4 48
4 47
4 46
4 44
4 43
4 42
4 4'
4 40
4 39
4
4
4 32
4 31
4 31
4 30
4 29
4 29
7 lb
7 17
7 18
7 19
7 20
7 21
7 22
7 23
7 24
7 25
7 26
7 27
7 28
7 28
7 29
H. M.
0 ID 25
1 II 9
II 48
morn
22
51
I 17
1 42
2 7
2 33
3 1
3 33
rises
8 26
9 29
10 23
11 9
II 47
morn
I 16
1 45
2 15
247
3 23
4 4
sets
9 S
946
10 21
H. M.
1 12
156
2 41
3 27
4 12
5 I
5 52
644
7 37
8 28
9 17
10 7
1058
11 46
ev.37
1 30
2 24
3 19
4 13
5 II
6 10
7 8
8 7
9 o
9 50
1038
II 22
mom
7
48
I 31
Calendar for
N. V. City, philadelph
Connecticlh, New
Jersey, Pennsylvania
Ohio, Indiana and
Illinois.
Sun Sun Moon H. W.
Rises Sets. Sets. N.Y
H. M.
4 59
4 58
4 56
4 35
4 54
4 S3
4 52
4 51
4 49
4 48
4 47
4 46
4 45
4 44
4 43
4 42
4 41
4 40
4 39
4 39
4 38
4 37
4 36
36
35
34
34
33
32
4
4
4
4
4
4
4 32
4 31
h.m.
6 56
6 57
6 58
6 59
7 o
7 I
7 2
7 3
7 4
7 5
7 6
7 7
7 8
7 9
7 10
7 II
7 12
7 13
7 14
7 15
7 16
7 17
7 18
7 19
7 20
7 20
7 21
7 22
7 23
7 23
7 24
H. M.
ID 18
II 4
II 43
morn
18
48
I 15
1 41
2 7
2 34
3 3
3 36
rises
821
923
10 x8
11 4
II 44
mom
t6
47
I 17
1 46
2 17
2 50
3 2S
4 9
sets
9 o
941
to i6
Calendar for
Washington, Mary
land, Virginia,
kentijck.y, misso
AND California
URI JL
Sun
Sun
Moon
Rises
Sets
H.M.
Sets.
H.M.
H. M.
5 2
6 52
10 13
5 I
653
1059
5 0
b 54
II 39
4 59
0 55
morn
458
b 5b
14
4 57
b 57
45
4 55
6 58
I 14
4 54
^ 59
I 41
4 53
7 0
2 8
4 52
7 I
2 36
4 51
7 2
3 b
4 50
7 2
3 40
4 49
7 3
nses
4 49
7 4
8 16
4 48
7 S
9 18
4 47
7 b
10 13
4 46
7 7
II 0
4 45
7 «
II 40
4 44
7 9
morn
4 43
7 TO
14
4 43
7 10
47
4 42
7 II
I 17
4 41
7 12
148
4 41
7 13
2 20
4 40
7 14
2 54
4 39
7 14
3 32
4 39
7 15
4 14
4 38
7 xb
sets
4 38
7 17
854
4 37
7 17
936
4 37
7 18
10 13
^
H. M.
2 41
331
4 20
5 6
5 50
6 33
7 16
7 59
843
9 29
10 19
11 13
mom
10
1 II
2 12
3 13
4 12
5 7
558
648
7 36
8 24
9 12
10 I
10 51
11 42
ev.34
1 24
2 13
3 °
Y
Moon's Phases.
Boston.
New-York.
Washington.
CHARLESTON.
SUN AT
NOON mark.
First Quarter,
Full Moon,
Last Quarter,
New Moon,
D.
6
13
20
27
H. M.
6 0 Morning.
5 40 Evening.
10 23 Morning.
6 52 Evening.
H. M.
5 48 Morning.
5 28 Evening.
10 II Morning.
6 40 Evening.
H. M.
5 36 Morning.
5 16 Evening.
9 59 Morning.
6 28 Evening.
H. M.
5 24 Morning.
5 4 Evening.
9 47 Morning.
6 16 Evening.
D.
I
9
17
25
H. M. S.
II 56 55
II 56 15
II 56 II
II 56 43
4^^
-^■4»-g*-
— ^«»-<5^
THE NEW-YORK ALMANAC.
13
The Sweet Spring-time. — see page 29.
^!^^^
-^■•|i-<^^
J4
THE NEW-YORK ALMANAC
A MAN in the prime of life, whose body had
always answered cheerfully to every demand
of his active mind, was smitten down while at
his desk, in the full tide of business. As he
expressed it, he " felt as though the heavens and
earth had suddenly come together, and he was
between them." He was carried to his home in
the country, and has no recollection of anything
for a month after ; only he knows he traveled
around the country a good deal, and was
occasionally brought back again. After he had
in a measure recovered himself, he innocently
described his "sudden attack," and saici the
suddenness was the thing he could least under-
stand. For months previously he had been
living irregularly, smoking to excess, sleeping
when convenient, and when he had nothing else
to do ; and for weeks he had an ahnost constant
headache, had been unable to digest his food,
and had suffered greatly from sleeplessness. But
he "didn't suppose that meant anything in
particular."
/think it better to put my money in a savirigs
bank than into life insurance."
Dp you put money into the savings bank regu-
larly, and leave it there for the benefit of your
family? Do you really intend to do so ? Whether
you do or not, please calculate how long it would
be before the annual premiums, at your age, on
a life policy for $i,ooo, would amount to $i,ooo
in a savings bank ; then let us hear from you
again on the subject.
A little wrong done to another is a great
wrons done to ourselves.
Sixth Month.
JJJKE, 1881.
Thirty Days.
I
a
<
•A
Z
0
■^
t.
-
0
•^
in
<
P
u
152
I
153
2
154
3
iSS
4
15b
S
IS7
6
i5«
7
1,59
8
160
<3
161
10
162
II
163
12
164
13
i6s
14
166
IS
1C17
16
168
17
169
18
170
19
171
20
172
21
173
22
174
23
175
24
17b
25
'77
26
1 78
27
179
28
180
29
181
30
Wed
Thur
Fri
Sat
,5!
Mon
Tues
Wed
Thur
Fri
Sat
■^
Mon
I'ues
Wed
Thur
Fri
Sat
;S
Mon
Tues
Wed
Thur
Fri
Sat
;a
Mon
Tues
Wed
Thur
Like Insurance
Pheno.mena
KOli THE MOST HEALTH-
FUL PORIIONS OK
THE Uniihd States,
iHE Dominion ok Canada,
Great Britain and
Ireland,
France and Belgium.
During- the month
of June, 1880,
the New- York Life
Insurance Co. paid
60 death-claims
on the lives of 52
persons. The
whole amount paid
was $179,154.00,
an average of
over $3400 to each
family. The premi-
ums paid on these
policies, less the
dividends re-
turned by the Com-
pany, amounted to
$75,436.04, an
average of less
than $1500 to
each family. The
gain to the fami-
lies of the deceased
was, therefore,
$103,717.96, an
average of over
$1900 each. For
each $100 paid to
the Company, they
received $287.49.
Calendar for
Boston, New Englanu
N. Y. State, Michigan,
Wisconsin, Iowa
and Orf.gon.
Rises, Sets.' Sets.
H. M. H.M. H. M.
4 25
4 25
4 25
4 24
4 24
4 24
4 2T
4 23
4 23
4 23
I 4 22
4 22
4 22
4 22
4 22
4 22
4 22 '
4 22,
4 22
423
4 23
4 23
4 23
7 30
7 3°
7 31
7 32
7 32
7 33
7 33
7 34
7 35
7 36
7 36
7 37
7 37
7
7
7
7
7
4 24
4 24
4 24
4 2S
4 25
4 26
^8
38
38
39
39
7 39
7 40
7 40
7 40
7 40
7 40
7 41
10 51
11 20
II 45
mom
9
33
I o
1 29
2 3
2 45
338
rises
9 3
9 44
10 21
10 51
11 21
11 49
morn
17
49
1 24
2 2
2 48
3 35
sets
Calendar for
N. Y. City, phii.apelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Sun
Boston:) Rises Sets, i Sets.
2 13
2 S3
3 35
4 19
5 9
5 54
648
7 47
845
942
10 39
11 33
ev.26
1 20
2 II
3 o
3 50
4 43
538
638
7 35
833
927
10 17
11 4
II 43
8 21 1 mom
8 54 i 24
9 23 I 4
9 47 I 42
Sun Moon H.W
H. M. H.M. I H. M.
4 31 7 24
4 30 7 25
4 30
4 30
4 29
4 29
4 29
4 29
7 26
7 26
7 27
7 28
7 28
7 29
7 30
7 .30
7 31
7 31
4 28 I 7 32
4 28 1 7 32
4 28 I 7 32
4 28,7 33
4 28 I 7 33
4 28:7 33
7 35
7 35
7 35
4 29 7 35,
10 40
11 18
II 44
morn
9
34
I 2
1 32
2 7
2 50
3 43
rises
859
9 41
10 ig
10 50
11 21
II 50
morn
20
52
1 28
2 7
253
340
sets
8 17
851
9 20
946
Calendar for
Washington, Mary-
land, Virginia,
Kentucky, Missouri
and c:alifornia.
II 37
mom
21
I 6
1 52
2 40
3 34
4 32
5 30
628
7 24
815
9 T3
10 6
1053
11 45
ev.36
1 3°
2 24
3 24
4 21
518
6 12
7 3
7 57
8 28
9 II
9 50
10 26
4 36
4 36
4 36
4 35
4 35
4 35
7 19
7 19
7 20
7 21
7 21
7 22
4 34 7 23
4 34!? 23
4 34 ' 7 24
4 34 , 7 24
4 34
4 34
4 34
4 34
H. M.
1045
II 15
II 43
morn
9
35
I 4
1 35
2 II
255
348
H. M.
3 45
4 29
5 II
5 53
635
7 20
8 7
858
9 S3
10 52
11 55
4 34 i 7 26 1 10 16
10 48
11 21
II 52
morn
rises mom
854I 58
9 371
34 7 27
34 7 27
34 7 28
. 34 7 28
I 4 34 , 7 28
I 4 34 7 28
4 35 7 z8
4 35 7 29
, 4 35 ' 7 29
4 35 I 7 29
36
4 36
4 37
4 37
22
56
1 32
2 12
258
3
2 58
3 53
4 44
5 34
6 22
7 10
758
848
938
10 29
11 19
sets ev. 9
II 2 1! 4 3717 29
813
847
9 18
9 44
56
1 42
2 26
3 8
Moon's Phases.
First Quarter, |
Full Moon, I I
Last Quarter, i
JB New Moon, ' 2
^^
Boston.
H. M.
10 35 Evening.
2 13 Morning.
4 34 Evening.
g 19 Morning.
New-York
H. M.
10 23 Evening.
2 I Morning.
4 22 Evening.
9 7 Morning.
Washington.
h. m.
10 II Evening.
I 49 Morning.
4 10 Evening.
8 55 Morning.
Charleston.
sun
noon
AT
MARK.
h. m.
D.
H.
M. S.
9 59 Evening.
I
11
57 38
I 37 Morning.
9
II
58 2
3 58 Evening.
17
12
0 41
8 43 Morning.
-'5
12
2 25
>4I^
-=^«ll
t
-^<%h&r-
-^1
]6
THE NE\A^-YORK ALMANAC
MOST men fail to observe, when solicited to
insure their lives, how prodigiously a pre-
mium multiplies itself in case of death within a
short time after insuring. And it is to be noticed
that this multiplying power is largest at the
end when it is most needed. For the young
man, who has not had time to accumulate a for-
tune, nor to build up a business yielding a large
income, the rates are low, and if he will put into
life insurance every year a small proportion of
what his family would need in case of his death,
the life company will guarantee the payment of
the whole sum in case it is needed. And so the
man himself is relieved of all anxiety regarding
it from the moment he insures.
It costs a man more to be miserable than it
does to make his family happy.
THE first ingredient in good conversation is
truth, the next good sense, the third good
humor, and the fourth wit. — Sir W. Temple.
" 'A /TY frietid Jones advises tne not to insure, —
■^ 'J- says some of the companies have failed , and
that he doesn't believe any of them are sotind.
Ask Jones what he would advise your wife to
do for a living if you should die and leave her
and the children poor. And if he says that is too
hard, and wants an " easier one," ask him if he
has read the last report of the New- York Life.
" y'"^ GOD-MORNING, Patrick; you have got a
VJT new coat at last, but it seems to fit you
rather too much." " Och, there's nothing
surprising in that; sure I wasn't there when I
was measured for it."
Seventh Month.
JULY, 1881.
Thirty-one Days.
Life Insurance
Phenomena
for the most health-
ful fori ions of
THE United States,
THE Dominion of Canada,
Great Brii ain and
Ireland,
France and belgujm.
Dui-ing- the month
of July, 1880,
the New- York Life
Insurance Co. paid
46 death-claims
on the lives of 40
persons. The
whole amount paid
was $137,142.00,
an averag-e of
over $3400 to each
family. The premi-
ums paid on these
policies, less the
dividends re-
turned by the Com-
pany, amounted to
$47,417.00, an
average of less
than $1200 to
each family. The
^ain to the fami-
lies of the deceased
•was, therefore,
$89,725.00, an
averag-e of over
$2200 each. For
each $100 paid to
the Company, they
received $289.22.
Calendar for
N.Y.
CONNECTIClir,
N EW
Jersey, Pennsylvania,
AND Oregon.
Ohio, Indiana and
Illinois.
Sun
Sun
Moon
H. W.
Sun
Siir.
Moon
H.W.
Rises
H. M.
Sets.
H.M.
Sets.
H. M.
Boston
H. M.
Rises
Sets.
H.M.
Sets.
N.Y.
H. M.
H. M.
H. M.
4 26
7 40
10 13
2 19
4 32
7 35
10 12
114?
4 26
7 40
1038
2 5»
1 4 32
7 35
1039
morn
4 27
7 40
II I
33a
4 33
7 34
11 3
24
4 28
7 40
II 29
422
1 4 33
7 34
II 32
I 9
4 29
7 39
mom
512
4 34
7 34
morn
I 58
4 29
7 39
1
b 9
.4 35
7 34
4
255
4 ^o
7 39
35
7 13
4 35
7 33
40
35a
4 30
7 3«
I 22
817
; 4 36
7 33
I 27
5 I
+ 31
7 3«
2 17
9 22
4 37
7 33
2 22
6 8
4 32
7 3a
322
10 25
4 37
7 32
3 27
7 II
4 33
7 37
rises
II 20
4 3»
7 32
rises
a 3
4 33
7 37
817
ev.i2
4 39
7 31
8 14
858
4 34
7 3^
"51
I 2
4 39
7 31
a 50
948
4 35
736
923
1ST
4 40
7 30
923
1035
4 Sb
7 35
9 51
2 37
4 4'
7 30
9 52
II 19
4 37
7 34
10 20
324
4 42
7 29
10 22
ev. 9
4 37
7 34
10 51
4 12
4 43
7 29
1054
59
4 3«
7 33
n 26
5 a
4 44
728
II 30
I 54
4 39
7 32
morn
b 7
4 44
7 27
morn
253
4 40
7 31
2
7 7
4 45
7 26
7
3 52
4 41
7 30
45
8 9
44b
7 26
50
4 53
4 42
7 30
I 33
9 4
4 47
7 25
I 39
5 49
4 43
7 29
225
9 55 ,
4 4a
7 24
230
6 40
4 44
7 28
3 9
104c j
4 4«
7 23
3 17
725
4 45
7 27
4 17
II 20 1
4 49
7 23
423
a 3
4 46
7 26
sets
1158
4 50
7 22
sets
a 43
4 47
7 25
7 53
morn
4 51
7 21
7 51
9 22
4 4»
7 24
8 18
35
4 52
7 20
817
9 57
4 49
7 23 8 42
I II
4 53
7 iq
842
10 31
4 SO
7 221 9 6
I 47
4 54
718
9 a
II 7
4 51
7 21
9 33
2 X4
4 55
7 17
935
11 48
Calendar for
Washingion, Mary-
land, Virginia,
Kentucky, Missouri
and California.
H.M.
4 38
4 38
: 4 39
; 4 39
4 40
4 41
I 4 41
4 42
\x 42
4 43
4 44
4 44
4 45
4 46
4 46
4 47
4 48
4 49
4 50
4 51
4 52
4 52
4 53
54
55
56:
57
H.M
7 29 10 12
7 29:1039
7 29 II 4
7 28 I II 34
7 28 j morn
7 2:"
44
1 32
2 28
3 33
rises
8 II
848
9 22
9 53
.«5
7 26
7 25
7 24
7 24 10 24
7 23 10 57
7 23 II 34
7 22 morn
7
7
7
7
7 18
7 18
7 17
7 16
7 '5
7 14
7 13
7 12
19
56
1 44
2 35
3 22
4 26
sets
7 49
8 16
843
9 9
9 37
H. M.
3 50
4 32
5 14
5 59
647
738
834
9 34
1037
II 40
morn
42
I 40
235
3 27
4 17
5 6
5 55
645
7 35
8 26
9 16
10 6
10 54
11 40
ev.25
I 7
1 49
2 31
3 13
3 56
Moon's phases.
First Quarter,
Full
Moon,
Last
Quarter,
New
Moon,
BO.STON.
H.
M.
0
32
Evening.
9
29
Morning.
0
50
Morning.
0
35
Morning.
NEW-YORK.
Washington.
M. I H. 1\L
20 Evening. 1 o 8 Evening.
17 Mornin;. \ 9 5 Morning.
38 Morning o 26 Morning.
23 Morning. o 11 Morning.
Charleston.
II 56 Morning.
8 53 Morning.
o 14 Morning.
II 59 Eve. 25th.
SUN
AT
noon mark.
D.
H.
M. S.
I
12
3 38
9
12
4 59
'7
12
5 54
'-'5
12
D 15
4»-^-
>'^^p-
%
•I*-^^^
-^3H|i-&
r
-^^4^=^^
-^4»
18
THE NEW-YORK ALMANAC,
F^EW men suspect — perhaps no man compre-
hends— the extent of the support given by
reUgion to every virtue. No man, probably, is
aware how much our moral and social sentiments
are fed from this fountain ; how powerless
conscience would become without the belief in a
God ; how palsied would be human benevolence
were there not the sense of a higher benevolence
to quicken and sustain it ; how suddenly the
whole social fabric would quake, and with what
a fearful crash it would sink into hopeless ruin,
were the ideas of a Supreme Being, of account-
ableness and of a future life, to be utterly erased
from every mind. — Dr. Cha}ming.
GOOD men have the fewest fears. He has but
_ ' one who fears to do wrong. He has a
thousand who has overcome that one.
" l\/fy income barely suffices for the wants of
-^ 'J- myself and fam.ily. I have no tnoney for
life insurance."
If this be true, what 7vould they do if you should
die ? Are you willing to be, by choice, half as
economical %uith them, as they would, by necessity,
be without you f
ONCE, looking from a window on a land
That lay in silence underneath the sun :
A land of wide green meadows, through which ran
Two rivers, slowly broadening to the sea, —
Thus, as I looked, I know not how or whence.
Was borne into my unexpectant soul
That thought, late learned by anxious-witted
man :
The infinite patience of the Eternal mind.
— Scribner s Magazine.
Eighth Month.
.AUGUST, 1881.
Thirty-one Days.
I
a
)
t-
\i
<
tt)
>-
2
0
S
d.
II.
H.
o
0
G
>
>•
<
<;
<
0
I
c
21^
Mon 1
214
2
Tues
2IS
3
Wed
216
4
Thur
217
S
Fri
218
6
Sat
2ig
7
.S
220
8
Mon
221
9
Tues
222
lo
Wed 1
223
II
Thur
224
12
Fri
22";
13
Sat
226
14
;sb
227
IS
Mon .
228
i6
Tues
229
17
Wed
230
18
Thur
231
iq
Fri
232
20
Sat
23.3
21
S 1
234
22
Mon '
23s
23
Tues
236
24
Wed
237
2S
Thur
238
26
Fri
23q
= 7
Sat
240
28
.s
241
29
Mon
242
30
Tues
243
31
Wed i
Life Insurance
Phenomena
for the most health-
ful fori ions of
the united states,
1 he dominion of canada,
Great Britain and
Irf;land,
France and Belgh'm.
Dui-ing- the month
of Aug-ust, 1880,
the New- York Life
Insurance Co. paid
53 death-claims
on the lives of 45
perso ns. The
w^hole amount paid
was $143,347.00,
an average of
over $3100 to each
family. The premi-
ums paid on these
policies, less the
dividends re-
turned by the Com-
pany, amounted to
$60,490.17, an
average of less
than $1400 to
each family. The
gain to the fami-
lies of the deceased
■was, therefore,
$82,856.83, an
averag-e of over
$1800 each. For
each $100 paid to
the Company, they
received $236.97.
Calenuar for
Calendar for !
BOSTON, NEW ENGLAND '^ ■r'^^"l\f,'^]]:!''^^^l^i
N Y Statf Michigan ■ CONNEcncui, New
WISCONSIN VoWA JERSEY, PENNSYLVANIA, j
aSs OREGON |i ""■°i{.';^rNors'^''~" |i
Sun Sun Moon H. W. j Sun Sur. Moon H.W.
Rises Sets. Sets. Bostonl Rises Sets. Sets.
H. M.
4 52
4 53
4 54
4 55
4 56
4 57
4 58
4 59
5 o
5 I
S 2
5 3
5 4
5 5
5 6
5 7
5 8
5 10
5 II
5 12
5 13
5 14
H.M.
7 20
7 18
7 17
7 16
7 15
7 14
7 12
7 II
7 10
7 8
7 7
7 6
7 4
7 3
7 I
7 o
6 58
6 57
6 55
6 54
6 52
6 51
6 49
6 48
6 46
6 44
6 43
6 41
6 39
6 38
6 36
H. M.
10 O
1034
11 14
morn
4
2 ID
3 25
rises
7 20
750
8 20
852
-925
morn
21
1 IS
2 12
3 9
4 7
5 7
sets
7 12
7 37
8 5
837
9 4
9 59
H. M.
3 3
3 47
4 39
538
647
7 59
9 8
10 10
11 6
II 55
ev.39
1 26
2 10
2 56
3 45
4 39
5 37
6 40
740
836
9 27
10 II
10 53
11 29
morn
3
38
I 15
1 55
2 37
3 24
H. M.
4 56
4 57
4 58
4 59
5 o
5 I
5 2
5 3
5 4
5 5
S 6
i 5 7
5 8
5 9
5 10
5
H.M.
7 16
7 14
7 13
7 12
7 II
7
7
7
7
7
6 58
6 57
5 12 6 55
5 13 6 54
5 14
5 15
S 16
5 17
5 17
5 18
5 19
5 20
5 21
5 22
5 23
5 24
5 25
653
6 51
6 50
6 48
6 47
6 45
6 44
6 42
6 41
6 39
6 37
C) 36
6 34
H. M.
mom
33
1 26
2 24
3 33
4 43
5 53
656
7 49
8 38
9 25
ID 12
ID 52
II 40
eV.31
1 26
2 23
3 26
4 25
5 21
6 13
657
7 37
8 12
848
924
10 I
1037
11 19
morn
Calendar for
washington, mary-
land, virginia,
Kentucky, Missouri
AND California.
H.M.
5 o
5 I
5 2
5
5
5
5
5
S
5
5
Sets
H.M.
7 II
7 lo
7 9
817 I
_ 9I7 o
5 10 1 6 59
5 II 6 58
: 5 12 6 56
I 5 13 i 6 54
5 14 I 6 S3
5 15 j 6 52
! S i6|6 51
5 1716 50
5 17
5 18
S 19
5
6 48
6 47
6 45
6 44
5 21 16 43
5 22 6 41
5 23 1 6 40
5 24 j 6 38
5 25 I 6 37
S 26,6 35
5 26 1 6 34
5 2716 32
H. M.
10 6
10 42
11 23
morn
14
I 13
i2 20
3 34
rises
7 17
7 50
8 23
857
932
10 12
10 53
11 41
morn
31
1 25
2 21
3 16
4 13
5 10
sets
7 14
741
8 II
845
9 13
10 9
H. M.
441
5 30
6 22
7 19
8 19
9 20
10 22
11 21
mom
19
1 13
2 6
2 57
348
4 39
5 30
6 21
7 12
8 2
851
938
10 23
11 6
II 49
ev. 30
1 12
1 55
2 40
3 27
4 17
MOON'S PHASES.
First Quarter,
Full Moon,
Last Quarter,
5 '^ New Moon,
i^-^
Boston.
H. M.
II 58 Evening.
4 23 Evening,
o 14 Evening.
4 I Evening.
NEW-YORK.
II 46 Evening.
4 II Evening
o 2 Evening,
3 49 Evening,
^-4»«g^
Washington.
H. M.
II 34 Evening.
3 59 Evening.
II 50 Morning.
3 37 Evening.
CHARLESTON.
SUN AT
NOON MARK.
H. M.
II 22 Evening.
3 47 Evening.
II 38 Morning.
3 25 Evening.
D.
1 I
9
17
1 25
h. m. s.
1264
12 5 13
12 3 46
12 I 48
^^^Ifi^
THE NEW-YORK ALMANAC,
The Poetry of A-Iotion.— see Page ;
'^^If^
*
-^4*
•20
--^4^^
THE NEW-YORK ALMANAC
-^^
f
LET lis remember that we cannot fairly throw
ourselves upon God's fatherly care unless
we also do our best to do His will. To be able
to feel this freedom, we should be of the number
of those to whom He has pledged Himself that
all things shall work together for good ; and that
class is the class of those who " love God."
To throw ourselves upon Him is an act of love,
and it is a hypocritical act unless it is connected
with a sincere resolution to obey Him. — Canon
Mozley.
CHILDRE^f come helpless into the world, and
parents are under the inost solemn obliga-
tions to provide for them until they can provide
for themselves. It is a shame and a disgrace for a
man to have children born unto him that he has
no means of supporting. And as death may at
any time deprive him of the opportunity to labor
for their support, he ought either to earn enough
for it beforehand or to insure his life for their
benefit. Who is more blameworthy than he
who, by neglect or thoughtlessness, robs infancy
of loving care, and youth of opportunities for
mental and moral culture which can never be
regained ?
MAMMA seeks to console her crying child.
" Why do you cry, John ? What has hurt
you?" "Mamma (and he cries more lustily
than ever), yesterday I fell down and hurt
myself." "Yesterday! then, why do you cry
to-day?" "Oh! because you were not at home
yesterday."
When the fool has made up his mind, the
market has gone by. — Spanish Proverb.
Ninth Month.
SEPTEMBER, 1881.
Thirty Days.
ni
H
0
U]
>
s
'■?■
u.
u.
u.
o
0
0
>•
>
>■
<
Q
Q
244
I
Thur
24 S
2
Fri i
246
^
Sat (
247
4
S.
248
Mon
24q
6
Tues
zso
7
Wed
2';i
8
Thur
2S2
Q
Fri
2S^
10
Sat
2S4
II
«i ■!
2SS
12
Mon ,
2';6
n
1 ues
2S7
14
Wed j
2S8
IS
Thur
2 so
16
Fri
200
17
Sat
261
18
5b
262
IQ
Mon
26^
20
Tues
264
21
Wed
26s
22
Thur
265
23
Fri
267
24
Sat
268
2S
A
269
26
Mon
270
-7
Tues
271
28
Wed ,
272
2Q
Thur 1
273
30
Fri 1
i.ifk insura.nce
Phenomena
i'or the most health-
Elll, POR riONS OF
THE UNirED STATES,
the dominion of canada,
Great Britain and
Ireland,
France and BELCitni.
During- the month
of September, 1880,
the New- York Liife
Insurance Compa-
ny paid 31 death-
claims on the lives
of 30 persons.
The -wrhole amount
paid was $114,-
712.00, an averag-e
of over $3800 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$41,519.76, an
averag-e of less
than $1400 to
each family. The
grain to the families
of the deceased
■was, therefore,
$73,192.24, an
averag-e of over
$2400 each. For
each $100 paid to
the Company, thev
received $276.28.
Calendar for
Calendar for
BOSTON, New England
Washington, Mary-
N. Y. STAiE, Michigan,
land, Virginia,
Wisconsin, Iowa
Kentucky, Missouri
j and Oregon.
Illinois.
and California.
S„n
Sun
Moon
H. w.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
Moon
Rises
11. M.
Sets.
H.M.
Sets.
H. M.
Boston
Rises
H. M.
Sets.
H.M-
Sets.
X.Y.j
Rises
Sets
H.M.
Sets.
H. M.
South.
H. M.
H. M.
H. M.
H.M.
H. M.
5 24
635
1053
4 19
5 26
6 33
1058
I 6
528
6 31
II 3
6 8
5 26
f 33
11 52
5 24
5 27
b 31
II 59
2 10
5 29
b 29
mom
7 6
5 27
6 ^i
morn
634
S 28
0 29
morn
3 20
5 30
b 28
4
8 6
528
6 29
1 3
746
5 29
b 28
I 8
429
5 31
b 2b
I 12
9 4
5 29
6 28
2 16
8.51
5 30
b 26
2 20
5 3b
5 32
6 25
2 23
10 2
5 3°
b 26
3 34
951
5 31
6 25
33b
637
5 33
6 23
3 39
1057
5 31
6 24
450
1044
5 32
b 23
451
728
5 34
6 22
4 53
II 51
s 32
6 22
rises
II 31
S 33
b 21
rises
8 14
5 35
6 21
rises
morn
S 33
6 21
6 50
ev. 13
5 34
6 20
6 52
859
5 35
b 20
654
43
5 34
6 19
7 24
I 0
5 35
b 18
727
946 ,
S3b
b 18
7 29
13b
■■; 35
6 17
7 59
I 44
5 3b
b lb
8 3
1028
5 37
b 17
8 5
2 28
5 36
015
840
231
5 37
b 15
845
II 4 ,
5 38
b 15
8 50
3 20
5 37
b 14
9 26
3 20
5 38
b 13
931
ev. 5
S 39
bi4
93b
413
5 38
6 12
10 15
4 II
5 39
b II
10 20
58
5 40
b 12
10 25
5 5
5 39
6 10
II 9
5 9
5 40
b 9
11 13
I 54
5 41
6 10
II 19
55b
s 40
6 8
morn
6 8
5 41
6 8
morn
254
5 42
b 9
morn
646
5 41
6 7
5
7 b
5 42
b b
9
3 51 1
5 43
b 7
14
7 34
5 43
b 5
I 2
7 59
5 43
b 4
I 5
4 54
5 44
b b
I 0
8 19
5 44
b ,
I 59
8 50
5 44
b 3
2 2
5 35
5 44
b 4
2 5
9 3
5 45
b I
258
935
5 45
b I
3 0
621
5 45
6 2
3 2
946
546
b 0
3 57
1015
5 46
5 59
358
7 2
54b
b I
3 59
10 28
5 47
5 58
4 57
10 56
5 47
5 S8
4 57
7 39
5 47
S 59
4.57
H II
548
5 56
5 57
II 32
5 48
5 5b
5,5b
8 14 !
548
5 58
5 55
It 54
S 49
5 54
sets
morn
.S 49
5 54
sets
854 1
5 49
5 5b
sets
ev.38
5 50
5 53
6 40
8
5 50
5 53
644
9 35 1
5 50
5 54
b47
I 25
5 51
5 51
71b
49
5 51
5 52
7 20
10 18
5 51
5 53
7 24
2 IS
5 52
5 49
8 0
1.33
5 52
5 50
8 4
II 2 1
5 52
5 51
I 9
3 «
5 53
5 47
8 48
2 19
5 53
5 48
853
II 55 i
5 53
5 50
859
4 3
5 54
5 4b
9 46
3 10
5 54
5 4b
952
morn
5 54
5 48
9 57
5 0
55b
5 44
1053
4 b
5 54
5 44
JO 57
53
5 55
5 4b
11 2
558
*
*
4*^
Moon's phases.
Boston.
\ New-York-.
W.^shington.
D.
H.
M.
1 H. M.
H. M.
First Quarter,
I
9
18 Morning.
' 9 6 Morning.
8 54 Morning.
Full Moon,
7
II
55 Evening.
11 43 Evening.
II 31 Evening.
Last Quarter,
15
3
17 Morning.
-\ 5 Morning.
2 53 Morning.
New !\Ioon,
23
7
10 Morning.
6 58 Morning.
6 46 Morning.
First Quarter,
30
5
4 Evening.
4 52 Evening.
4 40 Evening.
1 Charleston.
SUN
noon
AT
MARK.
H. M.
D.
H.
M. S.
8 42 Morning.
II 19 Evening.
I
9
59 44
57 4
2 41 Morning.
17
54 16
6 34 Morning.
j 4 28 Evening.
30
51 29
49 50
^4^<^
-^(
r"
-<^4^^^
4
THE NEW-YORK ALMANAC.
Undecided. — see Page
^^^ft-^
21
-^•4»
r
-s>4»~&
-^4»
22
THE NEW-YORK ALMANAC
SOME kinds of failure result from causes which
the wisest cannot foresee, and against which
the most prudent cannot provide ; but the
failure to leave one's family above want or
charity, in case of an early death, is not one of
that kind. The preventive for a calamity of this
kind is so well known and so easily obtained that
one feels almost ashamed to speak of it as though
he were giving information ; but like many other
things of inestimable value, it is neglected, and
something more attractive, more complex, more
brilliant, and more dangerous, is chosen instead.
This plain and simple, tried and safe way is to
invest a part of your regular earnings in life insur-
ance. While you have it — while it is yours, and
no creditor has any legal or moral claim to it ;
before you are tempted to invest it in something
where it may be lost — lay it up for the use of
your wife and children should sudden death
deprive them of the support of your strong arm.
You have it in your power now to say, / will not
leave them penniless ; have the courage to say it,
and to make your word good.
HABIT is king. How easily we soar in theory
above error, but in practice how we flutter
and flop on the ground ! In the stress of the
moment we do not repeat: "A soft answer
turneth away wrath," " Charity thinketh no
evil." We retaliate with a sharper answer, and
speak with suspicion of our neighbor. We know
these beautiful precepts well by head, very im-
perfectly by heart. — Eleanor Deebe.
Passive virtue is of little use in the world.
" Inasmuch as ve did it not."
Te7ith Month.
OGTO'BE% 1881. ™-.-^..-
I
274
27s
276
277
278
279
280
281
282
283
284
285
286
287
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
X
H
w
0
Bl
S
^
u.
II.
0
0
>•
>
«J
<
Q
I
D
Sat
2
;S
^
Mon
4
Tues
S
Wed
fi
Thur
• 7
Fri
8
Sat
Q
s
10
Mon
II
Tues
12
Wed
^3
Thur
14
Fri '
15
Sat
16
S
17
Mon i
i8
Tues
'9
Wed
Thur
21
Fri t
22
Sat
23
S
24
Men
25
Tues
?rT
Wed
27
Thur
28
Fri
2Q
Sat
30
s
31
Mon
Life Insurance
Phenomena
FOR the most health-
ful PORTIONS OF
THE United States,
THE Dominion of Canada,
Great Britain and
Ireland,
France and Belgium.
During- the first
nine months of '80,
the Ne-w7-York Life
Insurance Compa-
ny paid 363 death-
claims on the lives
of 309 persons.
The -whole amount
paid -was $1,118,-
132.00, an averag-e
of over $3600 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$465,271.66, an
averag-e of a little
more than $1500
per family. The
g-ain to the families
of the deceased
•was, therefore,
$652,860.34, an
average of over
$2100 each. For
each $100 paid to
the Company, they
received $240.31.
Calendar for
Boston, new England
N. Y. statf:, Michigan,
Wisconsin, Iowa
AND Oregon.
Calendar for
N. Y. City, philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indian A AND
Illinois.
Calendar for
Washington, Mary-
land, Virginia,
Kentucky, Missouri
and California.
♦
Moon's Phases.
D.
Full Moon,
7
Last Quarter,
IS
New Moon,
22
First Quarter,
29
H. M.
9 IS Morning.
9 42 Evening.
9 47 Evening,
o 3 Mo. 30th.
New-York.
Washington.
H. M.
9 3 Morning.
9 30 Evening.
9 35 Evening.
II 51 Evening.
H. M.
8 51 Morning.
9 18 Evening.
9 23 Evening.
II 39 Evening.
Charleston.
sun at
noon mark.
H. M.
8 39 Morning.
9 6 Evening.
D.
I
9
H.
II
II
M. S.
49 31
47 lo
9 II Evening.
17
II
45 19
11 27 Evening.
25
II
44 7
-^3~4>'^
-«-« I
r
=^3-4^«^^
THE NEW-YORK ALMANAC.
23
4
The Music Lesson. — see Page ;
--^•l^^^
t^
«-4»-^^
~-^f
24
THE NEW-YORK ALMANAC,
T
HE man whu never expects to marry ought
to insure his life on the endowment plan,
because, if he keeps his resolution, he must pro-
vide for his own old age in advance. Money
invested in business may be lost ; illness may pre-
vent savings after middle age; but a paid-up
endowment policy in the New-York Life, due
when the man is, say, sixty years old, will bring
him the amount of the policy on his sixtieth
birthday just as surely as he lives to see it. The
rates are low for you now, young man ; pay up
a policy, and see if you don't slee]5 better for it.
AN innkeeper observed a postilion with one
spur, and inquired the reason. "Why,
what would be the use of the other? " said the
postilion; " if one side of the horse goes, the
other can't stand still."
WHEN the political situation was decidedly
complicated, a diplomatist asked Talley-
rand one night what was his opinion as to the
course of events. " My opinion," said Talleyrand,
blandly ; " well, I have one opinion in the morn-
ing and another in the afternoon, but I never
have an opinion at night. " The response was
somewhat in the vein of the assurance to the
banker who, at the time that the Bourse was
agitated with conflicting rumors as to the death
of George III., went to the Minister of Foreign
Affairs to pump him. "All 1 can tell you,"
replied Talleyrand to his indiscreet questioner,
"is this: some say he is dead, some say he
isn't; but, for my part, I put no faith in either
story. This is in confidence, mind. You will
be careful not to compromise me in any man-
ner."
£leventh Month.
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Lll-K iNSUKANCi;
PHENOMENA
I'Olt THE MOST HEALTH-
FUL PORTIONS OF
THE UNITED STATES,
THE Dominion ok Canada,
GREAT Britain and
Ireland,
France and Belgium.
fit 1.-M11AP -cnv i Calendar for
Rr<=Trr^^'McvCT.;ir-,« Mill N. Y. CITY, PHILADELPH.
BOSTON, NEW b.NGLANIV f-„.,,,i:^-i-Tr-iii- Vti«'
N Y State Michigan Connecticui, new
WISCONSIN IOWA :JERSEV. PENNSYLVANIA,
AND OREGON OHIO. INDIANA AND
AND OREGON. [ ILLINOIS.
During- the year
ending- Jan. 1, '80,
the New- York Life
Insurance Compa-
ny paid 550 death-
claims on the lives
of 481 persons.
The whole amount
paid was $1,569,-
854.22, an averag-e
of over $3200 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$591,203,19, an
averag-e of less
than $1300 to
each family. The
g-ain to the families
of the deceased
-was, therefore,
$978,651.03, an
averag-e of over
$2000 each. For
each $100 paid to
the Company, they
received $265.63.
Sun
Sun
Moon
Rises
Sets.
Sets.
H. M.
h-m.
H. M.
6 33
4 54
I 27
b S4
4 53
2 39
6 c,6
4 51
348
6 17
4 50
4.5«
6 38
4 49
6 8
0 3Q
4 4a
rises
b4i
4 47
5 57
6 42
4 45
648
(^43
4 44
744'
6 44
4 43
8401
6 46
4 42
938]
('47
4 41
i0 37i
6 48
4 40
II 34
b 49
4 39
morn
b.Si
4 39
32
6 52
4 3a
I 32
h ,3
4 37
2 32
b.-i4
4 3«>
3 35
b s6
4 35
440
b ,S7
4 34
546
b 58
4 34
054
6 59
4 33
sets
7 0
4 32
fas
7 2
4 32
744
7 3
4 31
85s
7 4
4 31
10 7
7 5
4 30
II 20
7 b
4 30
morn
7 7
4 30
29
7 «
4 29
I 38
H. W.
Sun
Boston
Rises
H. M.
H. M.
7 2
6 30
8 I
b ,1
8591
6 32
9 51
f 34
10 41
b 35
II 27
6 36
ev. 11
b 37
59
b 38
1 43
2 29
3 13
358
4 45
5 34
6 25
7 17
8 8
859
948
1038
11 27
morn
15
I 17
I 49
249
341
4 37
5 34
632
6 40
6 41
6 42
6 43
6 44
6 46
6 47
6 48
6 49
6 5c
6 57
6 58
6 59
Sur.
Moon
Sets.
H.M.
Sets.
H. M.
4 57
128
456
2 39
4 54
3 47
4 53
4 55
4 52
b 4
4 51
nses
4 SO
6 2
4 49
bS3
4 48
748
4 47
844
44b
942
4 45
1039
4 44
113b
4 43
morn
4 42
33
4 41
1 32
4 40
2 30
4 39
3 33
4 39
4 37
4 38
5 42
4 38
649
4 37
sets
4 36
6 40
4 36
748
4 35
858
4 35
10 9
4 35
II 21
4 34
morn
4 34
29
4 34
I 37
H.M.
3 47
446
5 44
637
7^5
8 10
857
9 45
10 27
11 12
II 58
ev.44
1 32
2 20
3 II
4 2
452
5 44
634
7 23
8 10
9 I
9 53
10 41
11 33
morn
27
1 24
2 20
318
Calendar for
Washington, Mary-
land, VIRGINIA,
Kentucky, Missouri
and california.
6 27
6 28
6 29
6 31
6 32
6 33
6 34
6 35
6 36
6 37
6 38
6 39
6 40
6 41
6 43
6 44
0 41;
6 46
6 47
6 48
6 49
6 50
651
652
6 53
655
6 56
6 57
6 58
6 59
Sun
Moon
Sets
H.M.
Sets.
H. M.
5 0
I 29
4 59
238
4 58
3 45
4 57
4 53
4 56
6 I
4 55
rises
4 54
b 7
4 53
658I
4 52
7 53j
4 51
849
4 50
9 45
4 49
10 42
4 48
II 37
4 47
morn
4 47
34
4 4<>
I 32
4 45
2 29
4 44
331
4 44
4 34
4 43
5.38
4 43
644
4 42
sets
4 42
645
4 41
7 53
4 40
9 2
4 40
10 12
4 40
II 22
4 40
morn
4 39
3°
4 39
i3t>,
."f
8 21
9 II
10 2
1054
1047
morn
41
1 35
2 27
318
4 6
4 52
■; 36
6 18
7 o
742
8 25
9 II
9 59
10 51
11 47
ev.45
I 45
244
3 41
4 35
528
6 18
7 7
7 57
MOON'S Phases.
Full Moon,
Last Quarter,
New Moon,
J ', First Quarter,
NEW-YORK
I-
H. M.
9 19 Evening.
6 17 Evening.
II 37 Morning.
7 17 Morning.
H. M.
9 7 Evening.
6 5 Evening.
II 25 Morning.
7 5 Morning.
Washington.
CHARLESTON.
H. M.
8 55 Evening.
5 53 Evening.
II 13 Morning.
6 53 Morning.
H. M.
8 43 Evening.
5 41 Evening.
D.
I
9
H.
II
II
M.
43
44
s.
42
1
II I Morning.
i 17
II
45
14
6 41 Morning.
25
II
47
20
«-4'-^^
4
r
'^■i^h^
THE "NEW-YORK ALMANAC,
26
-^^<^=-
THE NE\A/-YORK ALMANAC
■^
LIFE INSURANCE is "the Standing together,
shoulder to shoulder, of hosts of manly men
to defend each other's homes from that enemy
who shoots on the sly, and in the dark." A man
cannot stand alone against such an enemy ; it
may be a great wrong to others to try. There
are many persons to whom life insurance be-
comes a moral duty, just as much as is the
insurance of property which one may hold in
trust for others. Were it his own, he might pos-
sibly have the right to say, " If it burns, I will
bear the loss;" but one has no right to imperil
the property of another. Those who are depend-
ent upon us have a moral ownership in our
capacity to labor, and we may not imperil need-
lessly that upon which they rely for support, and
be guiltless. Since many lives are more stable
than one, the man who insures his life wisely
makes more reliable provision for his family than
the man who does not insure at all.
DO YOU want to cure your lover of bashfulness?
Well, then, get an album. It's the first
thing a bashful young man seizes when he enters
a room where there are girls. We have seen
them look through one until they knew every
picture by heart. It's wonderful what interest a
bashful young man will take in a young girl's
grandmother and uncle at the first visit, but it
always occurs.
DID you make the train?" "No; it was
made in the car-shops. ' " I mean, did
you catch the train ? " " Of course not ; it's not
infectious." "Well, my Solon, did you arrive
at the depot in time? " " No, I arrived in an
omnibus." "Yes? and did you then board the
cars?" "Alas! I do not keep a boarding-
house."
...^ .,.»«. i)ECEMSE% J88L
Thirty-one Days.
^S,-)
I
3.36
2
3S7
3
33«
4
339
5
340
b
341
7
342
8
343
9
344
10
345
II
34b
12
347
13
34a
14
349
15
350
lb
351
17
352
18
353
19
354
20
35 S
21
350
22
357
23
35«
24
359
25
^60
2b
s6i
^7
,62
28
363
29
3(54
30
3«>5
31
Thur
Fri
Sat
.s
Mon
Tues
Wed
Thur
Fri
Sat
s> .
Mon II
Tues 1
Wed I
Thur'
Fri
f ''
Mon \},
Tues 1 1
Wed
Thur I
qI "
Sat ,
S !!
Mon ij
Tues I
Wed !
Thur'
Yn \
Pat II
Life Insurance
Phenomena
for the most health-
ful portions of
the united states,
ihe do.minion of canada,
GREAT Britain and
Ireland,
France and Belgium.
The Insurance
Probabilities are, at
the time this page
goes to press, that
during- the thirty-
six years ending-
■writh December, '80,
the Ne-w-York Life
Insurance Company
■will have received
Ninety-one Million
Dollars in Premi-
ums, returned to
policy-holders and
their families Fifty-
sis: Millions, and
■will then hold in
trust for them over
Forty Millions, of
■which over Eig-ht
Millions ■will be sur-
plus, as security for
the payment, ac-
cording- to contract,
of over 47,000 poli-
cies. The Insurance
Barometer ■will be
rising, the sky clear,
the ■wind fresh, and
the Ne^w-York Life
the favorite Com-
pany.
Calendar for
Boston, New England)
N.Y. State, Michigan
■Wisconsin, Iowa
AND Oregon.
Sun Moon H. ^W.
Calendar for
N. Y. City, Phii.adelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Calendar for
Washington, Mary-
land, Virginia,
Kentucky, Missouri
and California.
Sun
Sun
Moon
Rises
Sets.
Sets.
H. M.
H.M.
H. M.
7 5
4 34
244
7 b
4 33
3 51
7 7
4 33
5 0
7 a
4 33
5 59
7 9
4 32
rises
7 10
4 32
sst^
7 "
4 32
6 32
7 12
4 32
731
7 13
4 32
827
7 14
4 32
924
7 15
4 32
10 22
7 15
4 32
II 19
7 lb
4 33
morn
7 16
4 33
16
7 17
4 33
I 16
718
4 33
2 18
7 i«
4 33
321
7 19
4 34
4 28
7 20
4 34
5 33
7 20
4 35
636
7 21
4 35
sets
7 21
4 36
6 40
7 22
4 37
7 55
7 22
4 37
9 9
7 23
4 3«
10 19
7 23
4 39
11 29
7 23
4 39
morn
7 23
4 40
37
7 24
4 40
143
7 24
4 41
249
7 24
4 42
3 SI
H.M.
4 20
5 17
6 13
7 5
7 59
836
9 21
ID 4
10 41
11 22
ev. 5
48
1 32
2 20
3 13
4 8
5 7
6 S
7 2
7 53
847
9 39
10 27
6
mom
6
58
1 54
2 52
352
4 53
H.M.
7 °
7 I
7 2
7 2
7 3
7 4
7 5
7 6
7 7
7 8
7 9
7 9
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
Sun
Moon
Sets
Sets.
H.M.
H. M.
4 39
242
4 39
348
438
S 2
4 38
5 54
438
rises
4 38
542
4 38
637
438
7 35
4 38
831
438
927
4 38
10 23
4 39
II 19
4 39
morn
4 39
15
4 39
I 14
4 40
2 IS
4 40
318
4 40
4 23
4 41
528
4 41
b3i
442
sets
4 42
644
4 43
758
4 43
9 10
4 44
10 20
4 44
II 28
4 45
morn
4 46
36
4 47
I 40
4 47
245
4 48
346
South.
H. M.
847
938
TO 31
II 24
mom
17
1 9
158
2 46
330
413
4 55
536
6 18
7 2
748
837
9 31
10 28
11 28
ev.2g
1 29
2 27
3 22
4 14
5 5
5 55
644
7 35
8 26
9 18
Moon's phases.
Full Moon,
Last Quarter,
New Moon,
J '. First Quarter,
A«£4^
H. M.
o 30 Evening.
3 21 Evening,
o 23 Mo. 2ISt.
3 58 Evening.
New-York.
Washington.
18 Evening.
9 Evening.
II Mo. 2ist.
46 Evening.
o 6 Evening.
2 57 Evening.
II 59 Evening.
3 34 Evening.
Charleston.
SUN
NOON
AT
MARK.
H. M.
D.
H.
M. S.
11 54 Morning.
I
II
49 26
2 45 Evening.
9
II
52 47
II 47 Evening.
17
II
56 36
3 22 Evening.
25
12
0 36
i
r
*3-«|»-«^
THE NEW-YORK ALMANAC,
27
¥
t
A Glance at the Last Page. — see Page :
4^
-«^4»"^
« *^
28
--^^<^
-^4
THE NEW-YORK ALMANAC,
Illu,/)traticni> for the Year,
t
*
Waiting an Audience.
PAGE 5.
THIS is from Meissonier's famous picture,
and represents a young man, dressed in
the height of courtly fashion, waiting for an
audience witli "mi-lord." Whether coming to
ask a favor, or simply to pay homage for the
sake of paying it, is left for the reader to sur-
mise. That he has left nothing undone, in the
way of toilet, that may help him to a courteous
reception, is evident to all. However empty
his head on other matters, he is evidently
learned in ''the philosophy of clothes. " And
good clothes are not to be despised as helps to
success. Of course, they are terribly poor sub-
stitutes for brains and sense and skill, but they
add to the attractiveness of these, and are so
much better than nothing, where these are
wanting. Meissonier is noted for making
famous pictures of very simple subjects and on
small pieces of canvas. This is a fair specimen
of his work, and shows his scrupulous atten-
tion to the smallest detail.
Tfie Queen's Drawing-Room.
PAGE 7.
ILwiNG tarried for a while in the anteroom,
we will now enter the drawing-room, and noth-
ing less than a (Queen's will sufiice. And,
although we arc informed that " the grounds at
Osborne House, Isle of Wight, are strictly pri-
vate, and no strangers are admitted to vievi' the
building," yet through the courtesy of Her
Majesty, the art of photography, and the skill
and enterprise of the London Graphic, we
have secured an audience for our readers,
which they can enjoy without any of the ex-
penses and embarrassments which attend an
ordinary presentation at court. The Graphic
gives this history and description of the place :
"This favorite residence of Her Majesty in the
Isle of Wight was bought by the Queen from
Lady Isabella Blachford, in 1840. Under the
care of the late Prince Consort, the estate was
drained and improved, and was increased by
the purchase of additional land, while in 1845
the old mansion was pulled down, and the
present building erected from the designs of
the well-known architect Cubitt. The style is
Domestic Italian, and the building consists of
a basement witli two stories above, surmounted
by a cornice and balustraded parapet. The
principal entrance is in the rear, where also is a
massive flag-tower. An open corridor extends
along the whole north-west front of the build-
ing, and a clock-tower stands at the south-
eastern corner. The rooms are exceedingly
handsome, and are filled with objects of art of
every kind — statues by our best sculptors, and
the best works of modern artists. The grounds
are laid out in terraces, with a lawn sloping to
the water's edge, where a small pier has been
built. Osborne, which is situated near Cowes,
has always been a favorite spring and autumn
retreat with Her Majesty, who, indeed, passed
a portion of her girlhood with her mother, the
Duchess of Kent, at Norris Castle, the grounds
of which abut upon those of Osborne."
The Scandal of the Day.
pa(;e 9.
From the drawing-room of the British Queen
to the club of the French Iwurgcoise is a tran-
sition somewhat violent, bat earth has such —
especially at this time of the year. While it
may be more interesting to view the magnifi-
cence of a court, and to muse upon the varied
life of royalty, it may be more instructive to
learn how the common people get their living,
and what are their joys and sorrows, their
foibles and their fears, their dangers and their
ambitions. If love of scandal is not very
ennobling, there is at least some encourage-
ment in seeing a man more anxious to gratify
his brain than his belly, and when both have
been regaled, there will be no more jolly and
whole-hearted butcher or baker or candlestick-
maker than our broad-faced and strong-armed
artisan. Still, we wish he would read a better
paper than Lc Figaiv.
Reading Old Letters.
PAGE n.
Some one advises never to write a letter and
never to burn one ; but this strikes us as the
sentiment of a cautious, selfish, revengeful
person. Never write a letter lest you say
something that may be used to your mortifica-
tion or shame ; never burn one lest you put it
out of your power to inortify or shame some
one else ! Such advice has the flavor of state-
craft, of suspicion, of anything but straight-
forv^'ard honesty and confidence. Better reverse
it and say, write many and destroy all you
receive. Quite likely the voluminous corre-
spondent will say many things that will sound
flat and soft in maturer years, but if one is
going to avoid doing things of that sort entirely,
he must die very young. Better be open-
hearted and sincere, and make blunders and
outgrow them and laugh at them, than to be
always calculating and hesitating and mincing
matters, in a slavish fear of what Mrs. Grundy
may say. And confidential letters, that might
injure the writers were they to fall under other
eyes than your own, burn as soon as you read
them. So shall you show yourself worthy of
the confidence reposed in you.
4*
-^4»"«^
^■^i-
-<^>4>^
THE NEW-YORK ALMANAC
29
-^4*
?
The Sweet Spring-time.
PAGE 13.
This picture is one of a series by A. Liezen-
Mayer, illustrating Schiller's " Song of the
Bell." When the boy comes home, —
" In ripened youth's full mellow gloAV,
Beaming with beauty's every charm,
Majestic as some heaven-lit form.
With downcast eye and cheek o'erspi^ead
With deepening blushes rosy-red.
The maid before his sight appears, —
The child he left in early years !
* * * ^ * # vf -V
He seeks her side with burning cheek.
Her welcome smile his only joy;
The fairest of the flowers to seek.
To deck his love, his fond employ.
Ah ! tender longing, sweetest hope,
Love's golden prime — when, drunk with bliss,
The eye sees heavenly treasures ope.
The heart beats high with happiness !
Still ever green and constant prove
The fairy time of youthful love."
In looking on a scene like this, how precious
seems that time that comes but once and goes
so soon, and is never appreciated while it lasts.
But when it is gone, we sing plaintively :
" We are wiser, we are better
Under manhood's sterner reign.
Still we feel that something sweet
Followed youth with flying feet.
And will never come again."
We do not pretend to point the moral ; we
only state the fact, and observe that a noble
use of t/ie ever-present ^wwt'will extract from
life all the joy it has for us. And we can never
begin younger than TO-DAY.
A Summer Afternoon.
PAGE 15.
. . . What is so rare as a day in June ?
Then, if ever, come perfect days ;
Then Heaven tries the earth if it be in tune.
And over it softly her warm ear lays.
Whether we look, or whether we listen.
We hear life murmur, or see it glisten ;
Every clod feels a stir of might.
An instinct within it that reaches and towers,
And, groping blindly above it for light,
Climbs to a soul in grass and flowers.
The flush of life may well be seen
Thrilling back over hills and valleys ;
The cowslip startles in meadows green,
The buttercup catches the sun in its chalice.
And there's never a leaf nor a blade too mean
To be some happy creature's palace.
The breeze comes whispering in our ear.
That dandelions are blossoming near,
That maize has sprouted, that streams are
flowing.
That the river is bluer than the sky,
That the robin is plastering his house hard by ;
And if the breeze kept the good news back.
For other couriers we should not lack ;
We could guess it all by yon heifer's lowing —
And hark ! how clear bold chanticleer,
Warmed with the new wine of the year,
Tells all in his lusty crowing !
Joy comes, grief goes, we know not how ;
Everything is happy now.
Every thing is upward striving ;
'Tis easy now for the heart to be true
As for grass to be green or skies to be blue, —
'T is the natural way of living :
Who knows whither the clouds have fled ?
In the unscarred heaven they leave no wake ;
And the eyes forget the tears they have shed,
The heart forgets its sorrow and ache ;
The soul partakes the season's youth.
And the sulphurous rifts of passion and woe
Lie deep 'neath a silence pure and smooth.
Like burnt-out craters healed with snow.
— From " The Vision of Sir Latm/al" by J.
R. Lowell.
But let another poet tell us the meaning of
a perfect day in June :
Midway about the circle of the year
There is a single perfect day that lies
Supremely fair before our careless eyes.
After the spathes of floral bloom appear,
Before is found the first dead leaf and sere.
It comes, precursor of the Autumn skies.
And crown of Spring's endeavor. Till it dies
We do not dream the flawless day is here.
And thus, as on our way of life we speed.
Mindful but of the j oys we hope to see,
We never think, " These present hours exceed
All that have been or that shall ever be ; "
Yet somewhere on our journey we shall stay
Backward to gaze on our midsummer day.
— Andrew B. Saxton.
Gathering Water-Lilies.
PAGE 17.
May is usually considered the month of
flowers, and so it is of most flowers that grow
of their own sweet will ; nevertheless, our
readers who love its haunts will probably agree
with us, that the water-lily is not at its best
before June, and that it lasts well into July.
In its natural state it is a striking illustration
of beauty plucked from the waste, but can be
made to bloom in the garden by giving it plenty
of muck and water. The flower has a notice-
able way of moving upon the water at every
puff of wind, as though it were floating, which
Tennyson likens to the swaying and yielding,
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within certain limits, of a man who is really
firmly rooted in his convictions and purpose.
Of the gatherers nothing need be said here.
Their artless simplicity and joyous abandon
speak so well that we are content to be silent.
The Poetry of Motion.
PAGE 19.
Why do children — and some pretty large
ones — love to swing? What is there about
motion forward and back, and up and down,
that is so enchanting? The rocking-chair is
another illustration of the same principle, and
the whole world, pretty much, has been rocked
to sleep more or less in arms and cribs and
cradles. There must be something about the
motion that quiets the nerves and lulls to
repose. Motion in one direction is not enough
— that soon becomes the equivalent of rest ;
there must be change and repetitio7i, which
are the chief elements in the form of poetry.
Who does not recall the sensations excited
by this repetition of motion in four direc-
tions ; — the rising and falling ; the pause
which almost takes away one's breath, as he
hangs suspended in mid-air ; the plunge down-
ward and the gentle ascent, wliich makes a
breeze in the stillest day ! All this is in the
swing, and more — if you doubt it, look at the
picture again. We have not as yet called upon
our readers to admire our illustrations as works
of art, but we can refrain no longer. This one
is from an etching by M. Lalauze, of whose
work fuller mention is made under the head of
"The Music Lesson."
Undecided.
pa(;e 21.
We have given, on page thirteen, an illustra-
tion of youth and maiden in the sweet and
semi-conscious age when,
" Without a thought of evil or a name for fear,"
they gather flowers and dream dreams, and all
the world lies in beauty at their feet. Here
* * * * "The shadows
" Have a little longer grown,"
and possibilities of loss and sorrow, as well as
of the delights of life, loom above the mental
horizon. It will be of this picture as it is of
so many other things — " observers will see in
it what they bring means of seeing," and it
will have greater significance to some than to
others. We will only say : Now is the time
to deliberate — now, before the die is cast — now,
while choice is still possible ; and, when choice
is made, then burn your ships.
The Music Lesson.
PAGE 23.
The original etching from which this charm-
ing plate was reproduced is one of a series of
ten, called Le Petit Monde, representing the
occupations and amusements of children, by
M. Lalauze, whom Mr. Hamerton pro-
nounces " one of the most skillful original
etchers of the modern French school," and
this series " the best of his works. " " We
learn," says Mr. Hamerton, " from a preface
by M. Montrosier, that the artist's own children
were the models from which he drew, so that
he worked with a double affection — the artistic
and the paternal in one. The result is very
charming; the little incidents are such as really
occur in child-life, and they are represented
with the most accomplished skill." After men-
tioning the " Music Lesson " as among the
best, Mr. Hamerton continues : " It would
be a great mistake to suppose that because the
subjects of this little collection are taken from
the nursery, whilst the plates themselves are
popular with children, they are unworthy of
serious criticism. On the contrary, the artist
has done his best with them, and made them
works of art in the higher sense." The same
may be said of other plates in our collection
this year, most of which are reproductions of
the pictures of famous artists.
Soldiers Gambling,
PAGE 25.
There could scarcely be a greater contrast
than exists between this and the preceding ^
picture. This is a copy of a famous picture ij^
by Caravaggio, in the Dresden Gallery, and A
is as true to its subject as the other. The per- '
plexity of the bare-headed player, the furtive
prompting of his companion, and the anger
of his antagonist, are all strikingly portrayed.
Art is true to itself here, — it does not dignify
vice, nor render it attractive ; but, by bringing
into relief its repulsive features, makes it a
thing to be shunned. The enforced idleness
of the camp has made gambling conmion wher-
ever armies are known, though great efforts
have been made during late years to suppress
it among officers. So many evils followed in its
train that it often fell under the head of " things
prejudicial to good order and military disci-
pline."
A Glance at the Last Page.
PAGE 27.
Who has not done it, " to see how the story
comes out " ? It relieves the strain upon one's
feelings sometimes, but takes away something
of the zest of reading also. Yet one ought to
read a good story for the good there is in it all
along, and a book that is read greedily, simply
for the story, ought to be re-read if one would
extract all its " sweetness and light. " W^e are
tempted to moralize a bit just here upon those
unwritten romances of which we can only
read one page a day, and whose last pages we
so often dream over ! But wouldn't it take
away something of our present zest if we
could see the last page ? We shall get more
out of the romance as it is. ,
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Po^fdl Information,
Domestic Postage.
TO any point within the United States, Brit-
ish Columbia, or the Dominion of Canada,
except Newfoundland (for which see Postal
Union rates) :
Letters. — Matter in writing, or other matter
containing writing in the nature of personal
correspondence, and matter sealed against in-
spection, or matter so inclosed that it cannot be
examined without injury to the wrapper, three
cents for each half ounce or fraction thereof
Drop-letters, at offices having carriers, two cents
per half oimce or fraction thereof; at offices
without carriers, one cent. All packages con-
taining written information are rated at letter
postage. At least three cents must be paid on
a letter packet (if to Canada it must be fully
prepaid) ; if more is due and not paid, it will
be collected on delivery. A letter will be re-
turned to the writer free if his name and ad-
dress are placed on the outside of the envelope.
Letters sent to the wrong place will be for-
vi^arded free at the request of the person to
whom they are addressed. Manuscript, except
when accompanied by proof-sheets, is charged
letter rates. Mail matter addressed to initials
will be sent to the Dead- Letter Office, unless a
street address or box number is given.
Postal- Cards. — There must be nothing what-
ever attached to a postal-card, except that the
address may be pasted on, nor anything writ-
ten or printed on the face except the address.
Anything the sender desires may be written or
printed on the back, provided it is not scurril-
ous or indecent. Postal-cards are not returned
to tlie senders, nor advertised. They will be
forwarded at the request of the person to
whom they are addressed, when sent to wrong
place. Until January i, 1881 (not after), a
printed business card may be sent through the
mails for one cent, provided it contains no writ-
ten matter except the address, which, with the
stamp, should occupy one side.
Second-Class Matter. — Newspapers and peri-
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Rate, two ce7its per pound.
Third- Class Matter. — Books (blank or
printed), transient newspapers and periodicals,
circulars and other matter wholly in print,
proof-sheets, corrected or not, and manuscript
copy accompanying the same; prices current
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is not in the nature of personal correspondence,
and the papers are not completed so as to rep-
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policies and the various documents of insurance
companies, handbills, posters, chromo-litho-
graphs (unmounted), engravings, envelopes
with printing thereon, heliotypes, lithographs,
photogi-aphic and stereoscopic views with
names written thereon, printed blanks and
cards. Rate, one cent for each two ounces or
fraction thereof.
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board and other flexible materials, flexible pat-
terns, letter envelopes and paper without print-
ing thereon, merchandise, models, ornamented
paper, sample cards, samples of ores, metals,
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oil or water colors, and other matter not in-
cluded in the first, second or third classes, and
which is not liable to damage the contents of
the mail-bag or injure any one engaged in the
postal service. Rate, one cent for each ounce
or fraction thereof. To Canada, patterns and
samples of merchandise (having no intrinsic
value except as patterns and samples), grains
and seeds, ten cents per packet, which must not
weigh over eight ounces.
Articles which might otherwise be unmail-
able may be mailed if packed so as to be safe,
and easily inspected.
Privileges and Restrictions. — The name and
address of the sender and the word " from "
may be written upon packages, also a list of
the articles inclosed ; articles may have a name
or number attached by tag or label, for pur-
poses of identification ; a dedication or inscrip-
tion may be written in books, etc., provided it
is not in the nature of personal correspond-
ence ; words or passages in print may be des-
ignated by a simple mark ; packages must be
wrapped so that their contents may be easily
examined. Fully prepaid matter of the third
and fourth classes will be " forwarded " at the
request of the person addressed, but it will not
be returned to the sender unless the postage is
paid a second time. A request to the post-
master that the sender be notified, in case a
package is not called for, that stamps may be
sent for its return, may be written on the out-
side ; such request will be complied with.
The limit of weight for packages of the third
and fourth class is four pounds, except in case
of single volumes of books weighing more, and
books and documents published or circulated
by order of Congress, or official matter from
Government Departments or from the Smith-
sonian Institution. Packages of the third and
fourth classes must be fully prepaid and may
be registered ; fee ten cents. Stamps cut from
stamped envelopes or newspaper wrappers may
not be used in payment of postage, but if the
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whole envelope is presented, and the postmas-
ter satisfied that it was spoiled in directing, it
will be redeemed in stamps. To inclose any
written matter in printed matter renders the
person mailing the same liable to a fine of ten
dollars. If articles upon which different rates
of postage are charged are inclosed in the same
package, postage must be paid at the highest
rate. The Post- Office Department does not
hold itself responsible in case of the loss of a
registered packet, but such a packet can be
easily traced, and hence is not likely to be lost.
Mail matter addressed to Government officers
and members of Congress, except publications
for copyright to the Librarian of Congress,
must be prepaid.
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plosive and inflammable articles, fatty substan-
ces easily liquefied, animals unless stuffed,
insects, reptiles, fruits or vegetables, confec-
tionery, substances exhaling a bad odor, en-
velopes or postal cards upon which indecent
language or pictures are written or printed,
and all matter concerning lotteries, so-called
gift concerts, or similar enterprises offering
prizes, or concerning schemes devised to de-
fraud tlie public, or for the purpose of obtain-
ing money under false pretenses. The Post-
Oftice Department publishes a list of persons
engaged in schemes to defraud the public, to
whom payment of money-orders and the deliv-
ery of registered letters has been prohibited.
But such persons may easily change their
names and addresses, or receive money in ordi-
nary letters. It is safe to suspect an advertiser
who promises much for little, or who says you
may send money in an ordinary letter, at his
risk.
General Suggestions. — Make the address of
mail matter plain and full, giving post-office,
county (unless destination is a large city) and
State, and if to a foreign country write the name
of that country in full ; prepay postage fully,
putting stamps in right-hand upper corner and
see that they adhere well ; use a fair quality of
envelope or wrapper ; do not send money in an
unregistered letter unless you are willing to
take the risk of losing it without complaining ;
if your letter is of any importance see that it
contains inside or outside your name and ad-
dress in full, so that if undelivered the Dead-
Letter Office will be able to return it to you.
There are good and sufficient reasons for all
these precautions, and persons who wish their •
mail matter forwarded with the least delay and
risk will do well to heed them without stop-
ping to ask " why."
Foreign Postage.
The "Universal Postal Union" embraces
all European countries and their most impor-
tant colonies and dependencies, also the Argen-
tine Republic, Brazil, Egypt, Honduras, Japan,
Mexico, Newfoundland, Persia, Peru, Trinidad,
Turkey in both Europe and Asia, and various
cities in China. (For rates to other countries
than those named, and always in doubtful cases,
consult the postal officials.) To any of these
points the postage if prepaid is, on letters five
cents for each half ounce or fraction ; on all
printed matter, commercial paper and samples
of merchandise, one cent for each two ounces or
fraction. But a packet of commercial papers
will be charged at least five cents and a packet of
samples at least two cents. A " foreign postal-
card " is issued for use between these coun-
tries— price two cents. Registration fee is ten
cents on all packets ; the limit of weight for
samples is eight and three-fourths ounces, and
of size, four by eight by two inches ; for printed
matter and commercial papers, the limit of
weight is four pounds and six ounces. Un-
prepaid letters are charged double postage, and
all matter insufficiently paid, double the amount
of the deficiency. The prepayment of the post-
age on letters is optional, but other matter and
all matter that is registered must be at least
partially prepaid. Stamps must be used that
are issued in the country where the packet is
mailed. Foreign mail packets must not con-
tain gold or silver substances, coin, jewelry,
precious articles of any kind, nor articles sub-
ject to customs duties. Other rules are sub-
stantially the same as for domestic mail matter.
Post-OfRce Money-Orders.
For the convenience of persons desiring to
send small sums of money through the mails
with perfect safety, and to accommodate those
not having banking facilities, a large number of
post-offices have been designated money-order
offices, at which orders may be procured upon
other money-order offices in sums not exceed-
ing fifty dollars. The fees are as follows :
On orders not exceeding $15 10 cents.
Over $15 and not exceeding $30. . 15 cents.
Over $30 and not exceeding $40 20 cents.
Over $40 and not exceeding $50 25 cents.
Conventions for the exchange of money-
orders have been concluded with Canada and
Newfoundland, (Ireat Britain and Ireland, Ger-
many, France, Italy and Switzerland. The
following are the comparative values of the
standard coins of these countries, adopted at
money-order offices :
One pound sterling {£\^ $4-87
One mark (German) •24X
One franc (French) "^^H
One franc (Swiss), 5.18 equal .$1 l9fo"
One lire (Italian), 5.18 equal $1 . -ignr
An international money-order will not be
issued for a larger sum than fifty dollars, nor
allowed to contain the fractional part of a cent.
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Breakfast, Dinner and Tea.
THERE are many things which may prop-
erly be put into an almanac, which are
interesting in varying degrees, and to a varying
number of readers. But one of the wants of
a// is wholesome food, and any one who aims at
that will probably help a greater number, more
days in the year, than he could in any other
way. So, without turning the ALMANAC into
a cook-book, the editor will endeavor to make
it " a necessity in every well-ordered family "
by a few selected recipes, from acknowledged
authorities.
[From the Royal Bake?- and Pastry Cook,
published by the Royal Baking Powder Co.,
171 Duane street, New York.]
Royal Unfennented Bread. — I quart flour, I
teaspoonful salt, y^ teaspoonful sugar, 2 tea-
spoonfuls Royal Baking Powder, i^ pints of
milk. Sift together thoroughly flour, salt,
sugar and powder ; add the milk ; mix
smoothly and rapidly into a softer dough than
can be handled. Turn from the bowl into a
greased bread-pan. Bake in a moderate oven
^* 45 minutes. Protect by placing a paper on
^ top during the first 15 minutes.
Graham U^ifemiented Bread. — \y^ pints
Graham, J^ pint flour, I tablespoonful sugar,
I teaspoonful salt, 2 teaspoonfuls Royal Baking
Powder, \yl pints milk, or equal parts milk
and water. Sift together dry ingredients ; add
liquid ; mix rapidly into a soft dough ; pour
into a greased tin ; and bake in a rather hot
oven 40 minutes. Protect with paper first 1 5
minutes.
Graham Rolls. — l pint Graham, I pint flour,
I teaspoonful salt, 2 teaspoonfuls Royal Baking
Powder, I tablespoonful lard, )^ pint milk.
Sift together dry ingredients ; rub in the lard
cold ; add the milk and mix into a smooth dough
that can be handled — not too soft ; — turn out
upon floured board and form into rolls the shape
and size of large fingers ; lay in shallow tin
half an inch apart, and bake in hot oven from
10 to 12 minutes. If you want them glazed,
paint, before baking, with milk, using a soft
brush.
Ne%v Orleans Corn Bread. — i^ pints corn
meal, j^ pint flour, i tablespoonful sugar, i
teaspoonful salt, 2 heaping teaspoonfuls Royal
Baking Powder, I tablespoonful lard, ij^ pints
milk, 2 eggs. Sift together meal, etc. ; rub in
lard cold ; add the eggs (beaten) and the milk ;
mix into a moderately stiff batter ; bake in
shallow pan and rather hot oven 30 minutes.
Royal Apple Bread. — Stewed apples free
from lumps, ^ pint, ij/^ pints flour, i tea-
spoonful salt, 2 teaspoonfuls Royal Baking
Powder, ^ pint milk, white sugar to suit
taste. Sift together flour, etc. ; mix apple and
milk, and sugar sufficient to destroy sour taste ;
add flour, etc., and mix quickly into a stiff
batter ; bake in a well-greased tin and moder-
ate oven, at once, 40 minutes.
Vietina Rolls. — i quart flour, ^ teaspoonful
salt, 2 teaspoonfuls Royal Baking Powder, i
tablespoonful lard, i pint milk. Sift together
flour, etc. ; rub in the lard cold ; add the milk
and mix into a smooth dough, that can be
handled without sticking, in the bowl; knead
slightly and quickly on board to equalize the
mass ; roll to half an inch in thickness ; cut
with large round cutter and fold one half over
the other ; glaze with milk and lay a little
apart, on a well-greased baking tin ; bake in hot
oven 15 minutes.
Boston Brown Bread. — ^ pint flour, I pint
corn meal, ]4, pint rye flour, 2 boiled potatoes,
I teaspoonful salt, I tablespoonful brown
sugar, 2 teaspoonfuls Royal Baking Powder,
^2 pint water. Sift together flour, etc. ;
rub the potatoes through a sieve, and add
the water ; mix cold with flour, etc. , into
a batter ; pour into a well-gi-eased mold,
having a cover ; place the mold in hot water,
nearly to the top, and let simmer half an hour ;
take off the cover and bake in a fairly hot oven
30 minutes.
[From Miss Beecher's Receipt Book, pub-
lished by Harper and Brothers, New York. ]
Boiled Meats. — Put fresh meat into boiling
water, salt meat into cold water, and heat very
gradually. Allow about twenty minutes boil-
ing for each pound of fresh meat, and about
twenty-four for each pound of salt meat.
Keep boiling after boiling begins, and if neces-
sary to add water, let it be boiling. Throw
in a little salt to raise the scum, which remove
carefully. Do not let it boil too fast, nor re-
main in the water long after it is done.
Pot Pie of Beef, Veal or Chicken. — A dozen
boiled and finely mashed potatoes, i teaspoon-
ful salt, 2 tablespoonfuls butter, j^ cup milk or
cream. Stiffen with flour till you can roll it.
Fry half a dozen slices salt pork, and boil with
the fresh meat in just enough water to cover
until neai-ly done. Peel a dozen potatoes and
slice them thin. Roll the crust half an inch
thick, and cut into oblong pieces ; put alter-
nate layers of crust, potatoes and meat, sprink-
ling the meat with salt and pepper. Over the
top crust pour the liquor in which the meat
was boiled, until it covers the mass, and let it
simmer till the top crust is done — half or three
quarters of an hour. In order not to burn on
the bottom, set the kettle in a larger one ; if
water or liquor is added, it must be boiling.
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l^ea/ Stew. — Cut four pounds of veal into
strips an inch thick, cut peeled potatoes into
slices an inch thick, and put in the pot in alter-
nate layers, with seasoning, beginning with
meat. Over the last layer of veal put a layer
of slices of salt pork, and over that a layer of
potatoes. Cover with water an inch over the
top, cover closely, heat it fifteen minutes, and
simmer it an hour. Ten minutes before taking
up, put in butter the size of a hen's egg, and
a thin batter made of water and two table-
spoonfuls of flour. Add herbs if you like.
MiUtoJi Steiv. — Three quarts of peeled and
sliced potatoes, three onions (if you like them)
ditto, mutton cut into slices, a little ham ditto.
Put in the pot in layers, potatoes first ; salt
the potatoes, season the mutton with pepper,
salt, and gravy or butter ; add two teacups of
water. Cover well and stew an hour and a
half. Add boiling water occasionally, if needed,
to keep a good supply of gravy at the bottom.
Mutton and Beef Pie. — Line a dish with a
crust made as directed for Pot Pie. Broil the
meat ten minutes, after pounding it well (or
cold cooked meat may be used). Cut the meat
thin, and put it in layers, with thin slices of
broiled salt pork ; season with butter the size of
a hen's egg, salt and pepper (and either wine
or catsup, if liked) ; put in water till it nearly
covers the meat, and dredge in considerable
flour ; cover it with the paste, and bake about
an hour and a half. Cut a slit in the center of
the cover.
For chicken pie, simmer the chickens half
an hour, and proceed as above, except put in
more butter, and use the liquor in which the
chickens were boiled, instead of water.
Frizzled Beef and Eggs. — Take smoked beef
cut into shavings, pour on hot water to
freshen, then stir in hot frying-pan with butter
a few minutes. When done, break in two or
three eggs, and stir till the egg is cooked.
To Fry Fish. — Fry a slice or two of salt
pork for each pound of fish ; when brown,
take up and add lard enough to cover the fish.
Skim it well, and have it hot : dip the fish in
flour, and fry before salting.
Egg Plant. — Boil in plenty of water a few
minutes to take out the bitter taste ; then cut
in slices, salt, and fry in lard or butter enough
to keep from sticking — the less the better.
[From Marion Harland''s Common Sense in
the Household, published by Scribner & Co.,
New York. ]
Soups. — The base of your soup should
always be uncooked meat. To this may be
added, if you like, cracked bones of cooked
game, or of underdone beef or mutton ; but for
flavor and nourishment, depend upon the
juices of the meat which was put in raw. Cut
this into small pieces, and beat the bone until
it is fractured at every inch of its length. Put
into cold water, without salt, and heat very
slowly. Do not boil fast at any stage of the
operation. Keep the pot covered, and do not
add the salt until the meat is thoroughly done.
Strain through a colander, and for clear soups
filter through a hair-sieve or coarse bobbinet
lace. Do not uncover till you are ready to
ladle out.
Veal and Macaroni. — Boil three pounds
veal knuckle in three quarts of water until the
meat is in shreds. Break one-fourth pound
macaroni into inch pieces, and boil until tender,
in water enough to cover it, in a vessel by
itself. Add a little butter to the macaroni
when nearly done. Strain the meat out of the
soup, season to your taste, put in the macaroni
and the water in which it was boiled ; let it
boil up, and then serve.
By using different kinds of meats, as directed
above, and vegetables to suit the taste, a variety
of excellent soups may be made.
Clam Soup. — To open, pour on boiling water.
Take them out as fast as they unclose, to save
the liquor. Add a pint of water, and put
over the fire with pepper^ salt, and mace. Let
it boil ten minutes, then put in the clams and
boil half an hour briskly, keeping well covered.
For fifty clams put in a quart of milk, heated to
scalding, in another vessel. Let it boil up,
taking care not to burn ; put in two table-
spoonfuls butter, and serve. ^^
Scalloped Oysters. — Cover the bottom of a *J*
buttered pudding-dish with cracker crumbs, ^
and wet with liquor from the oysters and milk
slightly warmed. Alternate now with layers of
oysters and cracker crumbs, seasoning with
salt, pepper, and butter. Let the top layer be
of crumbs, and thicker than the rest ; beat an
egg and mix with oyster liquor and milk, and
pour over. Stick bits of butter thickly over
the top ; cover and bake half an hour.
Pie-crust. — One pound flour, three-fourths
of a pound of butter, one teaspoonful soda,
two teaspoonfuls cream-tartar, ice-water to
make into a stiff" dough. Sift the soda and
cream-tartar with the flour, passing through
the sieve twice to mix thoroughly ; chop half
the butter into the flour until it looks like
yellow sand ; work with ice-water into a stiff"
dough ; roll into a thin sheet, and baste with
one-t'hird the remaining butter ; fold up and
re-roll and baste until the butter is gone, and
then roll out.
Apple Custard Pie. — Three cups of stewed
apple, nearly a cup of white sugar, six eggs, a
quart of milk. Make the apple very sweet,
and let it cool. Beat the eggs (whites and
yelks separately) light, and mix the yelks with
the apple, seasoning with nutmeg. Stir in
gradually the milk, beating as you go on ; add
the whites, and bake without cover.
Pumpkin Pie. — One quart stewed pumpkin,
pressed through a sieve ; nine eggs, whites
and yelks beaten separately, two quarts milk,
one teaspoonful each of mace, cinnamon, and .
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nutmeg, one and a half cups (white, or light
brown) sugar. Beat all well together, and
bake in crust as above.
Rhubarb Pie. — Skin the stalks, cut into
small pieces, and stew slowly with very little
water until soft. Sweeten after cooking, but
while hot. Put into shells already baked, or
stir in for each pie butter the size of a hickory-
nut and a well-beaten egg, and bake in pastry,
with cross-bars over the top.
Lemon Pie. — One apple chopped fine, one
egg, one lemon, one cup sugar, butter the size
of a walnut. Grate the yellow rind of the
lemon ; remove the white rind and the seeds,
and chop the inside very fine. This will make
one pie.
[From Mother Hubbard ^s Cupboard, pub-
lished by the Young Ladies' Society, First
Baptist Church, Rochester, N. Y.]
Clam Chotuder. — Forty-five clams chopped
fine, one quart sliced potatoes, half a pint
sliced onions, a few slices salt pork, fried to a
crisp and chopped. Put in a kettle a little of the
pork fat, and then the chopped pork, potatoes,
etc., in layers, seasoning each layer. When
all are in, pour over all the juice of the clams.
Cook three hours, being careful not to burn.
Add a teacup of milk just before serving.
Potato Salad. — Chop two quarts cold boiled
potatoes ; mix one teaspoon salt, one-half
teaspoon pepper, two tablespoons parsley,
two tablespoons grated onion, one gill vinegar,
one-half gill oil or melted butter ; pour over
potatoes half an hour before serving.
Mint Sauce. — Mix one tablespoon of white
sugar with half a teacup good vinegar, and half
teaspoon salt ; add mint chopped fine. Serve
with roast lamb or mutton.
Vegetables. — x\fter washing and peeling, lay
in cold water a while before cooking. Let the
water be boiling when they are put in, and
don't let it stop. Boil turnips from forty
to sixty minutes ; beets at least an hour ; spin-
ach, one and a half hours ; parsnips, twenty
to thirty minutes ; onions, in several waters
until tender ; string beans, one hour ; shell
beans, until tender ; green corn twenty to
thirty minutes ; green peas, twenty minutes,
in but little water; asparagus, same as peas;
winter squash, twenty to forty minutes in but
little water ; cabbage, thirty to sixty minutes,
and salt while boiling.
Apple Ptidding. — Fill a dish with sliced
apples, sweeten and flavor, and cover with
crust made as follows : One quart flour, three
teaspoons baking powder, butter the size of an
egg, a little salt, and milk enough to make a
soft dough. Set on top of the stove until the
crust " rises," then bake brown. Serve with
sauce made as follows : One egg and one cup
fine sugar, beaten very light ; boiling water
enough to make the consistency of cream.
Flavor with vanilla and nutmeg.
Brown Bettie. — One-third bread and two-
thirds apples. Crumb the bread, and chop
the apples ; two cups brown sugar, half a cup
butter, two teaspoons cinnamon, and a little
nutmeg ; mix thoroughly, and spread over the
apples and bread. Bake very brown. Serve
with sauce made as follows : One teaspoon
butter, one-half cup brown sugar, one pint
boiling water, one teaspoon flour ; flavor with
vanilla or wine.
Indian Pudding. — Add to one quart boiling
water two well-beaten eggs, three tablespoons
Indian meal, one of flour, a little salt. Bake
forty-five minutes. Serve with sugar and
cream.
Orange Sponge Pudding. — Cut five or six
oranges in small pieces, and place in a pudding-
dish ; pour over them one cup coffee sugar ;
make a boiled custard of one pint milk, yelks
of three eggs, one-half cup sugar, one large
tablespoon corn-starch; pour this over the
oranges. Make a meringue of the beaten
whites of the eggs with three tablespoons of
powdered sugar, and put over the top of the
pudding, and brown it slightly in the oven.
Ginger Cookies. — One cup molasses, half a
cup lard, half a cup boiling water, one teaspoon
soda, one teaspoon ginger, a little salt, flour
to roll out.
Seed Cookies. — Two small cups sugar, one
cup butter, half a cup sweet milk, one egg,
two teaspoons baking powder, caraway seed.
Mix very soft, roll out ; cut in shapes ; sprinkle
sugar over the top, and bake.
Doughnuts . — One and a half coffee cups of
sugar, one-half coffee cup lard, one and a half
coffee cups milk, three eggs, four teaspoons
baking powder, one teaspoon salt, one nutmeg,
flour enough to mix soft. Fry in beef-suet and
lard, equal parts.
Sponge Cake. — One pint flour and one pint
sugar, six eggs, one-half cup water, three tea-
spoons baking powder. Mix the yelks and
sugar, add the water, then the flour, then the
whites of eggs on top. Stir no more than is
necessary.
Jelly-Cake. — One-half cup butter, two cups
sugar, one cup sweet milk, three and one-half
cups flour, three teaspoons baking powder,
four eggs. Flavor with lemon or vanilla.
Grape Catsup. — Five pints grapes, simmer
till soft, then work through a colander ; add
one quart brown sugar, a pint of vinegar, two
tablespoons allspice, two tablespoons cinna-
mon, same of cloves, one and a half teaspoons
mace, one of salt, and one and a half of red
pepper. Boil till thick, and bottle.
Sweet Pickled Peaches. — One peck peaches,
three pounds brown sugar, one quart vinegar.
Dip each peach in a weak solution of soda
watei' and wipe dry, to remove roughness.
Stick three or four cloves in each peach. Heet
the vinegar and sugar, then put in the peaches,
and cook until tender.
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THE NEW-YORK ALMANAC,
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The Familij Library,
I
4.
A HOME without books or newspapers
would be a dreary place indeed. Not
every one can afford a library, perhaps, but
every one can and ought to have a few good
books. The newspaper is good ; but don't
stop there. That is the danger with eager,
hurrying Americans. Consider when you lay
down your newspaper how much was really
worth reading, and the next time skip more —
especially if it is a daily paper. It is instructive
to take up the largest daily of another city, and
see how little news is the same as in the papers
of your own locality and how much is different.
It gives one an idea of how much is merely
local and how little of general interest.
Read the papers, but do not spend too
much time over them ; the best of everything
printed sooner or later gets into books. Never-
theless, there is plenty of trash between
book covers, and to help our readers to dis-
criminate, as well as to incite them to read
books, is the purpose of this article, in which
the chief function of the Editor will be to in-
troduce men wiser than himself, allow them to
say a few " best words " about books, and then
bow them off the stage. The " green-room "
whence they come is " Hints for Home Read-
ing " (G. P. Putnam's Sons, publishers),
written by Charles Dudley Warner, M. F.
Sweetser, F. B. Perkins, Cyrus Hamlin, Ham-
ilton W. Mabie, Edward Everett Hale, Joseph
Cook, Henry Ward Beecher, and Lyman Ab-
bot, with suggestions from a large number of
readers of their articles as they originally ap-
peared in the "Christian Union." If they do
not always agree, take the advice that seems
best suited to your circumstances, habits,
temperament, etc. But hush ! here they
Codes of rules for reading may be tried, but
must not be relied on.
HOW TO SELECT BOOKS.
Read the book notices in the best literary
papers and magazines. Rummage the book-
stores and libraries.
At first buy only books that you want imme-
diately to read. Reference books constitute
an exception, and an important exception, to
this rule. The essential reference books are
Webster's Dictionary, a good atlas, and a
cyclopaedia. There is no best cyclopaedia ;
your choice must depend upon your resources,
pecuniary and mental.
Buy books of transient interest or minor
importance in cheap forms. Histories, class-
ics of all sorts, and generally all permanent
books, in good binding and good type.
Choose books that can be held without tiring
the hands.
For home reading begin (but don't stop
there) with books that will please and instruct
children.
Cheerful but plain bindings. Gilt grows
tawdry.
Beware of too small type. It will grow
harder to read as you grow older.
Get the judgment of a friend who knows
your character and literary tastes and aspira-
tions.
Devote a certain amount yearly to books,
laying it aside weekly or monthly.
WHAT TO READ.
Masterpieces only (don't follow this too
closely).
That which you are most deficient in and
most need.
What you are most interested in.
What you have heard something of and wish
to know more about.
A variety. Mingle biography, travels, his-
tory, poetry, fiction, etc.
Some of the monthly magazines.
Books that furnish mental food and mental
stimulus.
HOW AND WHEN TO READ.
By subjects always. For example, with the
life of a writer read his works, or some of
them.
Slowly. Never give more time to reading a
book than to reflecting on its contents.
Always with an atlas or dictionary near.
Never try to read when it is laborious ; the
memory will not retain it. One hour when
fresh is worth three when tired.
Solid reading, for instruction, when fresh ;
light reading for entertainment, slowly, easily,
lazily, when tired.
In the early morning, providing you go to
bed early.
Whenever you can get a chance — except
when you ought to be asleep.
Have books about you — "upstairs, down
stairs, in my lady's chamber" — and employ
the spare moments. Elihu Burritt laid the
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THE NEW-YORK ALMANAC.
37
4
foundation of his vast knowledge by reading
while blowing the bellows ; Dr. Schliemann,
when an errand boy, carried his book with
him and read while waiting in various places.
Get your husband or wife, or room-mate, to
read aloud.
Persevere.
TO PROFIT BY READING.
Read thoughtfully and reflect on what you
read. Re-read.
Read with pencil in hand ; mark important
passages, if the book is your own, and index
them on the fly-leaf. Re-read marked pas-
sages.
Make abstracts of your author, on slips of
common paper, and paste in a book by subjects,
or keep a book in which to copy choice extracts.
Fasten your knowledge by frequent geo-
graphical, historical, and biographical refer-
ences.
Talk about what you read.
Compel yourself to give an analysis of what
you read ; not by pen, but by mental process.
TO INTEREST CHILDREN IN GOOD BOOKS.
Put before them only good books ; keep
others away from them.
Tell them stories, and send them to the
books where the stories are to be found.
Read with them and talk with them about
what they read.
Never be too busy to hear their comments
or to enter into their enthusiasm.
Give them books that will interest at first,
whether they instruct or not; form the taste
for reading, then direct it.
It is amazing how soon children will enjoy
history and biography.
WHAT TO READ FOR.
I read for three things : first, to know what
the world has done during the last twenty-four
hours, and is about to do to-day ; second, for
the knowledge that I specially want in my
work ; and third, for what will bring my mind
into a proper mood. — //. W. Bcecher.
We live by admiration, hope, and love. You
can hardly take a better guide in your read-
ing. What things to delight in with rever-
ence, what things to hope for, and what things
to love deeply and purely — this is what you
want from books and in books, just as from
and in living persons. To pass through the
simple experiences of human nature, the
responsibilities, the hopes, the griefs as well as
the gladnesses, that attach to our common lot,
to taste them in their pureness, to bear them
with quietness and courage, to do our work
with all our heart — this is a great thing ; to
gain help for this is the great purpose in our
reading, as in every friendship and all endeavor.
And one of the chiefest blessings of books is
that they bring to us the spirit of those who
have felt the most deeply and acted the most
manfully. They cannot take the place of
actual experience, but they prepare for it.
They interpret it to uS ; they bring to the light
much that lies undiscerned in our own natures,
and, rightly used, guide the way to the true
fellowship of patient and noble living which
makes all men akin. — Cyrus Hamlin.
" Hints " also contains priced lists of sug-
gested selections of five hundred, one thou-
sand, and two thousand volumes, of the most
desirable and important books. Of standard
works, however, new and cheaper editions are
constantly taking the place of older and higher-
priced ones, and "Hints" is sometimes behind
the times on prices. Partly from these lists
and partly from other sources, we have selected
ten works (some in one volume, some in more)
in each of nine departments of literature, ten
miscellaneous works, and ten series. There is
no special virtue in the number — it is only a
convenient limit. We have avoided, pretty
generally, two selections from the same author,
in order to cover a larger field, and when a
person has read one of an author's works he
will know whether he wants any more or not.
The list is not designed as a library catalogue,
but rather as one for those who buy but few
books to choose from. Neither prices nor pub-
lishers are given, because they are legion ; but
reading men are a proselyting set, and are
always glad to give advice on the subject of
editions and prices, and a postal-card only
costs a cent. If the list sets our readers to
thinking and inquiring, the rest will come
right.
The " Society to Encourage Studies at
Home " has for its object " to induce young
ladies to form the habit of devoting some part
of every day to study of systematic and thor-
ough kind." Courses of reading and plans of
work are furnished members, and other direc-
tion and aid are given by correspondence.
Books are lent at a penny a day. Students
must be not less than seventeen years of age.
The fee is two dollars. Address the secretary,
Miss Anna E. Ticknor, 9 Park street, Boston
(from June 10 to October 10, at Newport,
R. I.). The Chautauqua plan is better
known, and is for both sexes. It receives
t
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THE NEW-YORK ALMANAC,
1
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members in classes, prescribes courses of
reading, has written examinations, and gives
certificates of efficiency. It has some text-
books specially prepared for its members, who
get them at a discount. Rev. J. H. Vincent,
D.D., of Plainfield, N. J., is the secretary, and
will give all desired information.
Let no one be discouraged because of the
multitude of books ; let it only keep him from
reading trash. Joseph Cook says, " There are
only about one thousand really first-class books
in the English language — certainly not over
a thousand that deserve reading three times
through." But, as Carlyle says, "Here are
books : fall to ! "
HISTORY :
Cox's General History of Greece,
Arnold's Ancient Rome.
Hallam's Middle Ages.
Green's English People (i vol.).
Michelet's French Revolution.
Lewis's Germany.
Harper's Scott's United States.
Draper's American Civil War.
Kitto's Palestine.
Motley's Dutch Republic.
BIOGRAPHY :
Hughes's Alfred the Great.
Irving's Washington.
Carlyle's Cromwell.
Franklin's Autobiography.
Boswell's Johnson.
Johnson's Lives of the Poets.
Plutarch's Lives.
Lossing's Eminent Americans.
Higginson's Brief Biographies.
Botta's Dante.
TRAVEL AND DESCRIPTION :
Rideing's A-Saddle in the Wild West.
Stanley's Sinai and Palestine.
Hawthorne's Our Old Home.
Howells's Italian Journeys.
Taylor's (Bayard) Views AfooL
Dana's Two Years Before the Mast.
Field's (H. M.) Travels Around the World.
Chambliss's Life and Labors of Livingstone.
Hamerton's Around My House.
Mrs. Brassey's Around the World.
FICTION :
Bunyan's Pilgrim's Progress.
Goldsmith's Vicar of Wakefield.
Scott's Ivanhoe.
Thackeray's Vanity Fair.
Eliot's Romola.
Dickens's David Copperiield.
Hawthorne's Scarlet Letter.
Fenelon's Telemachus.
Kingsley's Hypatia.
Bulwer's Harold.
POETRY :
Dana's Household Book of Poetry.
Bryant's Homer.
Taylor's Goethe's Faust
Shakspere.
Milton.
Scott.
Longfellow.
Whittier.
Tennyson.
Arnold's Wordsworth.
ESSAYS :
Morley's Spectator.
Macaulay's Essays.
Whateley's Bacon's Essays.
Holland's Gold Foil.
Morris's British Thought and Thinkers.
Lamb's Essays of Elia.
Stedman's Victorian Poets.
Whipple's Essays.
Matthew Arnold's Essays.
Matthews's Getting on m the World.
SCIENCE AND POLITICS :
Agassiz's Methods of Study in Natural History.
Smith's Wealth of Narions.
Argyle's Reign of Law.
Mulford's Nation.
Dawson's Earth and Man.
Winchell's Reconciliation of Science and Religion.
Whewell's History of Inductive Sciences.
Wayland's Political Economy.
Lockyer's Physical Forces.
Plato's Republic.
BOOKS IN SERIES (SINGLE VOLUMES SOLD):
Science Primers.
Literature Primers.
International Scientific Series.
Ancient Classics for English Readers.
Foreign Classics for English Readers.
Artist Biographies.
Harper's Half- Hour Series.
Scribner's Epochs of History.
English Men of Letters.
True Life Series (Biography).
MISCELLANEOUS :
Edgeworth's Parents' Assistant.
Humboldt's Travels and Researches.
Smiles's Self-Help.
White's Eighteen Christian Centuries.
Holmes's Autocrat of the Breakfast Table.
Nott's Counsels to Young Men.
Beauties of Ruskin.
De Quincey's Confessions of an Opium Eater.
Sherman's Memoirs.
Stoddard's Select Works of Poe (i vol.).
FOR GIRLS AND BOYS :
Nordhoff's Politics for Young Americans.
Higginson's Young Folks' History of the United States.
Irving's Columbus (Abridged by Author).
Defoe's Robinson Crusoe.
Bryant's Selections from American Poets.
Mayhew's Wonders of Science.
Edgar's Boyhood of Great Men.
Wood's Illustrated Natural History.
Abbott's Young Christian.
Hughes's Tom Brown's School Days.
JUVENILES :
Bible Stories in Words of One Syllable.
Abbott's Little Learner Series.
Foster's Story of the Bible.
Moulton's (Mrs.) Bed-time Stories.
Brackett's (A. C.) Poetry for Home and SchooL
The Bodleys Telling Stories.
Johnson's (Mrs.) Roddy's Romance.
Goulding's Young Marooners.
Roberts's Wide Awake (monthly).
jEsop's Fables.
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THE NEV\A-YORK ALMANAC.
39
Life Insurance Tojiicii,
t
Jl)i Immense 'BuMne^/^.
ALTHOUGH less than forty years have
elapsed since life insurance was first es-
tablished in this country, it is now represented
by accumulations amounting to over four hun-
dred million dollars. When we consider that
this sum surpasses by far all the capital invested
in fire and marine insurance for the whole coun-
try, its significance and the importance of the
interests it protects are more fully appreciated.
The last report of the Insurance Department of
this State shows the life-insurance business to
be on a safe footing, the thirty-one companies
represented holding funds in excess of all lia-
bilities to the amount of over sixty-five million
dollars. In other words, nearly one-sixth of
their entire assets is surplus. The number of
policies in force January i, 1880, was 595,486,
insuring the sum of $1,439,961,165.
The business of the preceding year is a
fair exponent of what the system is doing for
the protection and relief of those for whose
benefit it exists. During the year, 67,399 poli-
cies were issued, insuring $167,865,390; over
fifty-two million dollars was received in premi-
ums, and over twenty-three millions in interest
and rents from investments. About twelve
thousand claims were paid, amounting to nearly
thirty million dollars, about twenty millions
being paid for death-claims, and the balance
for endowments. There was also paid to
living policy-holders nearly thirteen million
dollars for surrendered policies, and over thir-
teen millions in dividends.
This brief summary shows that, while the
companies received from policy-holders the
vast sum of $52,721,720.56, they returned to
policy-holders the still vaster sum of $56,-
007,146.17, an excess of $3,285,425.61. The
amounts paid in surrender values show
how much is saved to policy-holders
by the non-forfeiture system of policies
originated and introduced by the New-
York Life in 1860. Probably in many
cases it would have been wiser for these pol-
icy-holders to have kept up their policies, but
if they would not or could not do that, the non-
forfeiture feature was a great advantage. The
large sum paid as dividends represents for the
most part reductions in the annual premiums
for which the companies originally agreed to
carry the insurance. The money is not twice
handled, as is sometimes represented, but, as
the actual cost of insurance cannot be ascer-
tained in advance, a premium ample in amount is
agreed upon as the maximum, and paid the first
year, and, in the New- York Life, at every
subsequent settlement the amount to be paid
is adjusted according to the experience of the
Company.
Looking back over the history of thirty-six
companies now doing business, we find their
total receipts have been over a thousand million
dollars ($1,037,447,181); their payments to
policy-holders and their representatives, chiefly
widows and orphans, have been nearly seven
hundred million dollars ($693,389,807) ; and
the amount now held for the security of living
policy-holders is over four hundred and twenty
millions. The sum of the amounts re-
turned to policy-holders and held for
their benefit thus exceeds the amount
paid to the companies by over seventy-
six million dollars. In other words, the
bare use of the policy-holders* money
has paid the expenses of management
and earned for them seventy-six mill-
ion dollars besides.
The magnitude of the business shows the
degree in which its benefits are appreciated
by the people. It can hardly be said to show
how great its advantages really are, since the
best things are seldom appreciated at their true
value. The character of the persons insured
is a better test of the real value of the system.
It is not too much to say that its patrons are
the most moral, industrious, prudent, and
far-sighted men of the communities in which
they live. Among them are the best business
and professional men, and the most devoted
husbands and fathers. The benefits of life
insurance commend themselves to every one
who has a brain to judge and a heart to feel.
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THE NEW-YORK ALMANAC,
'Re(0ojU for IrUurin^ Life.
•^r^HE prime reason which life insurance has
X for existing is the fact that without it
many men die and leave their families without
adequate means of support. It will doubtless
be a startling proposition to some to hear it
said that, of all the men of a healthy locality,
between the ages of twenty and fifty years,
about one per cent, will die this year,
and that during- the next ten years con-
siderably over one-tenth of the Awhole
number 'will die. To men whose only,
or chief, dependence for the support of their
families is the wages they earn or the busi-
ness they conduct, the outlook without life in-
surance is such as no prudent man can con-
template without something like alarm. Prob-
ably every soldier who passes through a battle
feels that it is a wonder that any escape,
yet the risk of being killed in battle is only
equal to the risk of dying in time of peace in
the course of a few years. The proportion of
^' deaths to the number of men engaged
tP at the first battle of Bull Run was only
about equal to the annual death-rate
among men at age fifty-two, and
among men thirty-five years of age
five years will show a death-roll equal
to that of Gettysburg !
In life, as in battle, nearly every one expects
that ke will survive, consequently most of those
who die, die before they expect to. Death
seems erratic; diseases smite the strongest;
accidents happen to the most prudent ; so that
not only men die before they anticipated, but,
from this reason, as well as from others, they
leave their families less property than they
expect and desire. These things being so, life
insurance is an inestimable boon to every one
who would place his family beyond the reach
of indigence in case of his own early death.
Large capital he may not have, but with the
prospect of long life, and with a small sum of
money in hand, he can secure his family a
comfortable fortune contingent upon his death.
It goes without saying that a provision which
may be so easily made and which, if needed
at all, will be of such transcendent value, ought
to be made by every man who desires to do
the best thing possible for his wife and children.
Wfi(j Ml Sfwuld InJiure.
IT will be readily seen that a system which
is able to do so much for a man whose fam-
ily would be in danger of actual want but for its
protection, is also able to add, in like pro-
portion, to the blessings of those w^ho
perhaps w^ould not actually suffer w^ith-
out it. One man labors for means to feed
and clothe and educate his family, and they
are dependent upon his wages for all these
things ; another has sufficient for the neces-
sities of his family, but he labors just as con-
stantly and just as zealously for the means
wherewith to give his family greater advan-
tages— the thousand things that come after
the bare necessities of life. If the latter dies
early in life and without insurance, his fam-
ily will lack tvhat he desired for them, just
as much as the family of the former will lack
what he desired for them. So that, if each
would tnake sure of accomplishing the object
of his life, each ought to insure, the man of
moderate fortune no less than the man with no
accumulated capital.
The whole system of life insurance rests
upon the principle that life has a money value,
and that it is liable to be destroyed suddenly.
The very men, therefore, who often think they
need no insurance, ought really to carry the
most. Their lives are more productive than
others, and, therefore, mbre valuable to the
many interests for which they live and labor,
than the life of an ordinary man. Not that
any life is more valuable to a single object than
an ordinary man's is to his family, — it would
be difficult to conceive that, — but another life
may be of importance to many families and to
society at large in its varied moral interests, in
such a manner that, when it fails, a bounteous
stream of beneficence ceases to flow. Such
men ought to see to it that the objects dear to
them in life do not suffer a total loss in their
death. Life insurance should be allowed to
gather up the surplus of prosperous days and
of prosperous men, and turn it into channels
which would otherwise be dry. It should
be allowed to equalize, in some degree, the
burdens and the blessings of civilized life, and
to render surer of realization its best and
noblest ambitions.
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THE NEVy-YORK ALMANAC.
41
i
Guarding the Weak.
Us
OST men are abundantly able to care for
IVX themselves. Unless they have a bad
digestion, or a disordered liver, they are not
likely to lay awake nights in anticipation of the
poor-house. They are able to earn their own
living, and they know it, and they do not fear
or shrink from the future any more than they
fear and shrink from the toils and perils of to-
day. When other toils and perils come, they feel
that they will be able to meet and vanquish
them. They have courage because they have
knowledge and strength — in a word, power.
But there are those to whom hardships are
more severe, and to whom toil and peril are
more appalling, because they have less knowl-
edge how to meet them, and less strength to
bear them. Women and children are affrighted
at dangers which a man ought to face without
flinching, because he has a protection against
them which the others have not. It is not so
much a difference in courage as a difference in
strength, in power of defense, or rather the
difference in courage is the result of a differ-
ence in power of defense.
Life insurance is the protection of women
and children against evils which they are not
strong enough to defend themselves against,
and a man ought to provide it just as he pro-
vides for their other weaknesses. Their weak-
ness is a claim upon his strength. He can
provide for and protect them in person while
he lives, but he may die while they are yet
weak and unable to provide for or protect •
themselves. Life insurance enables him to
multiply the small savings of the present by
the many years of which a premature death
may deprive him. It makes the future secure
with but small expense to the present.
If men would consider carefully, they would
see that life insurance enables them to make
the purposes of their lives immeasurably more
sure of fulfillment than they otherwise would
be. From the moment the first premium is
paid on a policy of life insurance, the insured
has it in his power to leave the full amount of
his policy to his family at his death, no matter
how soon that may occur, by simply paying the
renewal premium each year. The premium
for a young man upon an amount of insurance
that would be quite a fortune for his family, is
but a small sum — so small that it can be saved,
if necessary, in such ways that it would scarcely
be noticed.
Let every man who reads this article con-
sider how large a stem he will be likely to save
during the next twenty years, and then turn to
page 45, and see for how small a stim annually
he could secure to his family the expected
savings of twenty years, even though he were
to die within a year. If he is not surprised at
the ease by which he can make instant pro-
vision for his family, we shall be greatly disap-
pointed. If he wishes the assurance, during
the twenty or thirty years which he expects to
spend in earning it, that his family will have
this amount whenever he dies, and wants the
money, at the end of that time, if alive, to
enjoy with them, let him see what an Endow-
ment Policy, due twenty or thirty years hence,
would cost per year. Here, again, we believe
he will be agreeably surprised to see with what
ease a man can assure his family of a compe-
tence at once in case of death, and if he lives
to the time he expects to, receive it himself,
and enjoy it when he is tired of work !
An Index of GiviUzation.
THE insurance of human life marks an
advanced stage in civilization. In rude
ages neither the conditions upon which it de-
pends, nor the sentiment to which it ministers,
are present. The ends which it seeks, the
methods which it employs, and the principles
which underlie its workings, are all the out-
growth of centuries of experience, of research,
of experiment, and of discovery. The savage
does not trouble himself about how his wife
and children will fare should he die of disease
or fall in battle. His wants are few, and the
burden of providing for his household falls
quite as heavily upon the woman as upon the
man, even while he lives. Civilization has mul-
tiplied the wants of men and the means of
satisfying them, has increased their capacity
for enjoyment, and placed a thousand new
delights within their reach.
The mental and moral needs and capacities
are not so quickly recognized as the physical,
but, physical needs once supplied, the others are
^-4>«*
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42
THE NEW-YORK ALMANAC,
y
found to be far higher and nobler, and the satis-
fying of them accompanied with greater happi-
ness. The one is indeed the foundation, without
which ho edifice can be built ; the soil, without
which no fruits will grow or flowers bloom.
But, as the foundation of the house is of no
value except to build upon, and the soil worth-
less except for producing something better than
itself, so the physical life of man is a good only
so far as it produces those fruits which lift him
above the brute creation. Men have gradually
learned to look upward and forward, to culti-
vate their nobler faculties, and to provide for
the future. A thousand generations of savages
die and leave the world no richer or better for
having lived ; the civilized man accumulates
for posterity, so that every generation enters
into the labors of those who have gone before.
Among savages strength and cunning are
supreme, but under the operation of mental
and moral forces the claim of weakness is
acknowledged, and the sturdiest blows are
struck in its defense.
So life insurance, while demanding, as a
condition of its existence, laws for the protec-
tion of life and property, houses to live in,
suitable food and clothing, — the best care of
the body in the present, — at the same time is
designed to satisfy a moral sentiment, both of
obligation and affection, which forecasts the
future, and provides for the multiplied wants
of those before whom lie the wondrous possi-
bilities and multiplied dangers of civilized life.
The system is founded upon customs the most
thoroughly established, and buttressed by prin-
ciples which have the strongest hold upon
human nature, in order that it may be a suffi-
cient protection for the weak whom it shelters.
As the traveler who would lean far out over the
abyss takes a firm hold upon the cliff, so life-
insurance strikes its roots deeply into all that is
best and most stable in the present, in order
that it may reach into the future with a long
and a strong arm, to rescue and provide for
those committed to its care.
Life insurance is also an illustration of the
controlling principle of civilization, to wit, that
men cannot accomplish the highest possibili-
ties open to them by working alone. Indeed,
no man can work absolutely alone without
going back to savage life. In a civihzed com-
munity, men are mutually dependent and inter-
dependent upon one another. For the best
and highest ends men must work together. A
man cannot insure himself as well, even, as he
can be his own tailor, his own shoe-maker, his
own butcher, and his own builder, for these
things he can do after a fashion while he lives,
but life insurance provides for a future need,
and enables him to extend his life, in its labors
for the benefit of his family, long after his arm
of flesh has turned to dust.
Endowment Insurance.
THERE are two periods in a man's life
when, in the natural course of things,
he is unable to take care of himself — his child-
hood and his old age. He comes into the
world helpless, and he often becomes helpless
again before he leaves it. During the whole
of life — from the cradle to the grave — -we are
consumers ; during middle life alone, or chiefly,
are we producers. It follows, therefore, as a
matter of necessity, that the race, as a whole,
must earn the living of a lifetime during mid-
dle life. In the case of the individual it comes
to this : that a man must provide, during mid-
dle life, for the bringing up of children, and
for his own old age, or die in debt to his race.
The case usually presented is not an abstract
one. Men at thirty or thirty- five years of age
generally find themselves with a family to pro-
vide for, and, at the same time, looking forward
to the time when they themselves will wish to
' rest, even if the infirmities of age do not make
rest a necessity. There is no method by
which one can so easily, so amply, and so
SURELY accomplish his wishes in respect to
these two things as by Endowment Insurance.
The first great danger that threatens his plans
is that he may die before his children
reach a self-supporting age, and before
he has time to provide, in advance, for
their support and education. The sec-
ond danger is that, if a man escape the one
named above, he may, through business
reverses or other misfortunes, be com-
pelled to struggle with poverty in his
old age.
The great excellence of an endowment policy
of insurance consists in the fact that it provides
I
^4^"^
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THE NEW-YORK ALMANAC.
-^-41
43
for the support of one's family equally well
whether he dies during the first year or the
twentieth, and if he lives, as he hopes and
expects to do, until the end of the endowment
period, if provides for him. It gives ijistant
security and CONSTANT security to one's family,
and then, when the period of their special dan-
ger is past, and the period of his weakness
begins, the benefit that would have been theirs,
in case of his death, now reverts to him. As
the well-trained reserve of an army gives con-
fidence and courage to the fighting line, and
stands ready either to prevent a threatened dis-
aster or to follow up a victory, so an endow-
ment policy of insurance allays the anxieties
which husbands and fathers can but feel with-
out some such reliance, and adds to the joy of
a triumph over those difficulties and dangers
that beset every path.
And it does this at a cost surprisingly small.
By referring to page 45, the reader will see
that, until he is thirty-six years of age, a policy
for $1,000, payable in twenty, twenty-five, or
V thirty years, will cost him less than
$1,000 paid out, even though he live to
receive the money himself. The divi-
dends annually declared and paid by the New-
York Life would make the showing much
more favorable. In short, here is a family
savings-bank that will, within certain limits as to
age, return to you, twenty, twenty-five, or thirty
years hence, all the money you deposit with it in
the meantime, and something over ; and if you
die in the interval, it will pay to your family all
you would have deposited had you lived.
Endowment Insurance for the
ITS great virtue to such is that it is a pledge
of the continuance of present pros-
perity.
The rich man cannot realize that circum-
stances may so change that insurance will sup-
ply a need. From his stand-point, that does not
seem possible. But there is a profound philoso-
phy in tlie warning, " Let not him that girdeth
on his harness boast himself as he that putteth
it off." The end is never certain until it is
reached, and there is nothing surer of the future
than that it has disappointments in store for all.
The principle of life insurance is so valuable
— there are wrapped up in it so many possible
blessings, and so many guards against possible
disaster — that few who can afford it can
also afford to do without it. It certainly
adds to the probability, which the rich man now
has, of future abundance of this world's goods
for himself and family. It renders that proba-
bility about as nearly certain as anything in
this world can be. And it does this, not at an
exorbitant price, such as a rich man might be
willing to pay for exemption from great dan-
gers, but for just what it costs thus to secure
him a certain sum of money in certain contin-
gencies. Surely, if any one should provide
abundantly for future good and guard against
future ills, it is the man who can afford to pay
for whatever will enhance the security and hap-
piness of himself and those he loves.
The money put into endowment insurance
by the rich is not missed ; unforeseen commer-
cial disasters cannot sweep it away. It is none
the less a possession than if in bonds or stocks
or goods ; but it is now a possession exempt
from the dangers of ordinary property, and is
set apart for a sacred use. Like the family,
for whose special protection and benefit it is
invested, it is kept far from the strifes and
rivalries and the hard rules of trade, and is
devoted to the promotion of those higher ends
of life, to fail of which is to fail where failure is
most bitter and most disastrous.
JJnderwrUinQ and ^ankin<^.
LIFE insurance management is not the sim-
ple thing it may sometimes appear to an
outsider ; on the contrary, it demands a high
order of talent, and talent of various kinds
working in perfect harmony. In the first
place, it must employ a large corps of agents,
who will secure applications for insurance from
a widely extended territory, collect premiums
and turn them over promptly to the company.
Then it must have a skillful medical department,
to discriminate between good and bad risks,
lest the company be ruined by an excessive
mortality rate ; a good finance department, to
take care of and increase the money received
as premiums and interest ; an able actuarial
depa7-tment, to see to it that a sufficient premium
4»-^^-
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44
THE NEW-YORK ALMANAC
is charged, that a sufficient reserve is kept, and
that dividends and surrender values are paid
in such a manner that an adequate surplus is
kept on hand ; a department of claims, that
shall pay all just claims without litigation, and
so beget confidence in the company, and resist
ail attempts at fraud, and so save its patrons
from loss. Each one of these departments, in
a company like the New-York Life, is a
business by itself, requiring unusual energy,
skill, and good judgment.
Its past history and present condition is
the best possible evidence that each of these
departments in the New- York Life has been
managed with great energy and skill, and that
they have worked together harmoniously.
Since the panic of 1873 it has been difficult for
a life company to get new business or to hold
that already on its books. There has been a
falling off in the amount of insurance in force
among nearly all the prominent companies, the
amount in some cases reaching as high as fifty
per cent, of the business then, or since, in force.
The New- York Life, on the contrary, had
more insurance in force January i, 1880, than
January l, 1874, by nearly four million dollars
($3>745.375)-
Success in Every Department.
In the acceptance of risks, the Company
has had that good fortune that follows good
judgment. The death-rate has always been kept
well within the limits of the Mortality Table,
and during 1879, with an increased number of
policies and amount of insurance in force, its
death-claims fell off nearly one hundred thou-
sand dollars.
The financial department also makes an
admirable showing. The income of the Com-
pany was larger in 1879 tlian in 1873 by over
three hundred thousand dollars ($337,510),
while all the other prominent companies show
a falling off, to the amount, in some cases, of
millions of dollars. We do not say this to
disparage them. The difficulties have been
great, but it is proper to show that where other
companies have done well, the New- York
Life has done better. In the investment
of funds the Company has been especially suc-
cessful, as is shown by the large yearly increase
in interest receipts, the very small amount of
unpaid interest, and the high market value of
its stocks and bonds. Its interest income was
larger in 1879 than in 1873 by over six hun-
dred thousand dollars ($615,556); the amount
unpaid January 1, 1880, was less than
one per cent, on its assets ; and its stocks
and bonds were at the latter date worth nearly
a million dollars more than they cost.
In its executive and actuarial depart-
ment the management of the New-York Life
has been characterized by a conservative and
far-seeing policy, the wisdom of which expe-
rience has vindicated in a remarkable manner.
It has maintained its reserve fund on a four
per cent, interest basis. During the period of
inflated values following the suspension of spe-
cie payments in 1862, very few people could
have been persuaded that five or even six per
cent, would not be a safe basis of estimate.
The State of New-York enacted, as a rule
for the valuation of policies, that interest be
reckoned at four and a half per cent., and was
deemed conservative. But interest rates have
fallen rapidly within a few years. The State
has reduced the legal rates on loans from seven
to six per cent., and United States bonds,
which, being free from tax, easily convertible
into cash and unquestionably secure, show the
net value of capital without special financial
care, cannot now be bought so as to yield four
per cent, on the investment.
During the prevalence of high rates of inter-
est, the best life companies have been able to re-
turn considerable sums in dividends, and there
has been a constant temptation to reduce the table
rates of insurance. Of course the cost of
insurance would not be reduced by a
reduction of the premium rates, and the
only question has been whether it was better to
retain the present rates, returning the surplus
to the policy-holder year by year in dividends,
or to reduce the table-rates and return less sur-
plus. As' a matter of fact it made no difference
to the policy-holder after the first year, but a re-
duction would deprive the Company of just so
much strength in case it were needed. There
was no doubt, therefore, where the New-York
Life would stand. Common-sense, as well as
financial skill, all pointed in the direction of a
firm adherence to the standard of greatest
safety,
4
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(CONTINUED ON PAGE 46.)
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THE NEW-YORK ALMANAC,
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^-4i-<^
THE NEW-YORK ALMANAC
-^
(CONTINUED FROiM PAGE 44.)
Progress and Liberality.
While thus inflexible in maintaining all the
safeguards necessary to solvency, the New-
York Life was the pioneer in a reform
which has resulted in incalculable ben-
efit to policy-holders. It originated non-
forfeiture policies in i860, and the principle was
at once recognized as so just and proper that all
other companies and many States have adopted
it in part or in some form, and during 1879
it was enacted into law by the Legislature of
the State of New-York. But the non-forfeiture
law of the State, passed nineteen years
after the New- York Life introduced its
system, is far less liberal in its applica-
tion to many classes of policies — nota-
bly those paid vip by a limited number
of premiums — than the terms which
this Company has for many years
freely granted. Since the adoption of
this principle, the New- York Life has
paid to policy-holders over ten million
dollars for poUcies surrendered. Yet it
has not crippled itself by so doing. On the
contrary, it never was so strong as now,
its surplus being, January i, 1880, over three
million dollars by its own standard, and over
seven millions by tlie standard of the State.
In the payment of claims, the Company
has gained a reputation for great liberality and
fairness, as opposed to a disposition to resist
claims on technical grounds. It says nothing
in its policies about suicide or mysterious dis-
appearance, but leaves each claim to stand on
its own merits. It has paid many claims
where the insured took his own life, because
there was no evidence of intention to defraud.
Being a Purely Mutual Company, its officers
and managers have no pecuniary interest in the
questions they are called upon to decide, and
are, therefore, simply arbitrators between
the members, with no disposition to take
from one for the benefit of others.
In short, the history of the Company is a
remarkable illustration of the beneficence of
great principles, conscientiously adhered to, and
scientifically combined in a system for the pro-
tection of some of the dearest interests of
mankind.
^ea^on4 for Iri^urin^
IN THE
JS'eiV^York Life Insurance Co.
First Reason.
I
T is an old Company and is thoroughly
established in public confidence, thor-
oughly organized, and conducted upon meth-
ods that have stood the test of Experience.
Second Reason.
It is a large and strong Company. It has
over forty-five thousand policy-holders, and
assets to tlie amount of over forty million
dollars. By the standard of the State it had,
January i, 1880, $124.66 in assets for every
$100 of liabilities.
Third Reason,
It is a purely mutual Company, with no
capital stoclv, and no stockholders to share its
surplus or interfere with its management to the
detriment of policy-holders, to whom the Com-
pany belongs and in whose interest it is
exclusively managed.
Fourtli Reason.
It is a liberal and progressive Company.
It originated and introduced the non-forfeiture
system of policies, under which, in the year
1879 alone, over thirteen million dollars was
paid for surrendered policies in the United
States.
Fifth Reason.
It is prudent as well as liberal; it calcu-
lates its reserve fund on the supposition that it
\vill be able to realize only four per cent, in-
terest, and thus keeps this fund much larger
than is required by the law. Hence no un-
usual losses, or panic, or business depression
can so reduce its surplus as seriously to embar-
rass the Company.
Sixth Reason.
It is a solid and vigorous Company.
Since the panic of 1873, it has held its busi-
ness better tlian any other prominent Company.
No other life company in the country had,
during 1879, both a larger income and a larger
amount of insurance in force than in 1873.
«!»<£*=-
-^4»-^
-^4i
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THE NE^A/-YORK ALMANAC,
47
t
4
f
The increase in the case of the New-York
Life was over three per cent, of insurance in
force, and over four per cent, of income.
Seventh Reason.
It has not only held its own at the most
sensitive points, but has been rapidly growing
in the elements of strength and permanence.
During the last ten years, notwithstanding the
panic, the increase in assets has been nearly
three-fold, and its increase in surplus and in-
terest income more than three-fold.
Eighth Reason,
It has been a profitable Company to pol-
icy-holders. Of the eighty-five million dol-
lars received from them the Company has re-
turned to them and their families over twenty
millions in death-claims, and over thirty-one
millions in endowments, annuities, dividends,
and surrender values. The amount of its
present assets, plus its payments to pol-
icy-holders and their families, exceeds
the sum received from them by nearly
six million dollars.
Ninth Reason,
The foregoing shows that it must have
been a well-managed Company, and its present
condition confirms the inference. Its report
for the year ending January 1st, 1 880, shows
almost unparalleled prosperity — a large in-
crease in assets ; a large increase in surplus ; a
large increase in premium receipts ; a large in-
crease in interest receipts ; a large increase in
policies and insurance, issued and in force ; and
B. decrease in death-losses, resulting from a care-
ful selection of lives and consequent low mor-
tality rate.
Tenth Reason,
Its securities are of the highest order.
It had the lowest ratio of uncollected in-
terest, January i, 1880 (only about eight-tenths
of one per cent.), of any prominent company,
and in striking contrast with some.
Eleventh Reason.
It is a fair-dealing Company. Its poli-
cies are notable for their freedom from vexa-
tious restrictions ; the customs of the Com-
pany with respect to payments of premiums,
etc., are plainly stated, and efforts are made to
encourage and to enable every honest policy-
holder to keep up his policy ; in the settlement
of claims by death the greatest hberality con-
sistent with justice is ever shown, as the grate-
ful acknowledgments of hundreds of bene-
ficiaries prove. By its liberal construction of
the policy contract, in cases that might have
been resisted on technical grounds, it has
gained the reputation of being
"A Non-Contesting Company."
Fifteen Year^ behind Time,
DURING the session of 1880, a bill requir-
ing life-insurance companies to attach a
copy of the application to the life policy issued
thereon was introduced in the New- York
Legislature, and a similar measure became a
law in Iowa. The application being a part of
the contract between the company and the
insured, both parties ought to have a copy.
In proposing- to make this requirement
(for the bill failed to become a law), the
Legislature recognized the wisdom of
a custom which the New- York Life
established fifteen years before.
This was one of the measures adopted by
the New-York Life to frevent, as far as
possible, any dispute in interpreting the contract
when it became a claim; and it is to this
feature of its management, and to the dis-
position, that prompted it, that the Com-
pany owes much of its popularity as a " non-
contesting company. " Honest men sometimes
disagree as to their respective rights, but the
chances of disagreement are always greatly
lessened if the parties take pains at the
outset thoroughly to understand each
other. We have pointed out in another article
the fact that the non-forfeiture law enacted in
1879 was the recognition of a principle
enunciated by the New- York Life nine-
teen years before, though the law is
not so liberal in some of its provisions to pol-
icy-holders as the custom of the Company. In
proposing the law respecting applications, the
State was only fifteen, instead of nineteen,
years behind the New- York Life.
4>
4»-<g#-
^•4i-<g*
' 48 THE NEW-YORK ALMANAC.
t
Tke Xeiv-Ycrk Llfe'Jt 'Ueeord— 1845=1879.
THE following is a brief summary of the Business done and the Progress of the New-
York Life Insurance Company during 1879, its condition January i, 1880, and an
outline of its History since its organization :
Business, 1879.
Premium Receipts $6,003,036
Interest Receipts 2,033,650
Total Income $8,036,686
Death-claims paid 1,569,854
Endowments paid 1,015,256
Annuities, Dividends, and Return Premiums paid 2,236,380
Total paid to Policy-holders during 1879 $4,821,490
New Policies Issued 5)524
New Insurance Effected 17,098,173
Progress, etc., 1879.
Increase in Assets $2,159,657
Increase in Premium Receipts over previous year 277,469
Increase in Interest Receipts over previous year 84,985
Total Increase in Income over previous year $362,454
Increase in Divisible Surplus $308,935
Increase in Tontine Surplus 330,025
Increase in Policies in force 700
Increase in Insurance in force 2,185,619
Decrease in Death-losses as compared with previous year 117,821
Excess of Interest Receipts over Death-losses paid. . $463,796
Increase in Number of New Policies Issued 442
Increase in Amount of New Insurance Issued $1,148,187
Condition, January 1, 1880.
Number of Policies in force 4S>705
Total Amount Insured $127,417,763
Cash Assets $38,996,952
* Tontine Dividend Fund $1,371,482
t Surplus, Company's Standard 3,120,371
Surplus, N. Y. State Standard $7,688,547
Accrued Interest unpaid (not all due) $317,989
Agents' Balances 22,199
Excess of Market value of Securities over cost 811,521
History, 1845-1879— Thirty-five Years.
Policies Issued 142,218
Insurance effected $420,861,168
Premiums received 85,234,524
Interest received 19,726,322
Death-claims paid 20,688,483
Dividends and Return Premiums paid 28,646,423
Endowments and Annuities paid ... 2,803,357
Total paid to Policy-holders since 1845 $52,138,263
Assets, held in Trust for Policy-holders, January 1, 1880. . 38,996,952
Total Paid to Policy-holders, together with Amount now
Held in Trust for them $91,135,215
Total Received from Policy-holders 85,234,524
* Over and above a 4 per cent reserve on existing policies of that class.
t Exclusive of the amount specially reserved as a contingent liability to Tontine Dividend Fund.
^^ ^^i"^^^ ^4"
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^
Kind^ of Policies iMued % tke Kew= York Life^
And the Sjieeial Adranta^e^ of Each.
I. Ordinary Life Policies.
ON an Ordinary Life Policy, a certain pre-
mium is to be paid every year until the
death of the insured, when the policy becomes
payable to the person or persons named in the
policy as the beneficiary or beneficiaries.
Special Advantage. — This kind of policy
g^ves more insurance, for the same sum of
money paid annually, than any other, though
it may be necessary to continue the payments
longer, as according to its terms the payment
of the premiums annually is to be continued
during the life-time of the insured.
II. Limited Payment Life Policies.
On a policy of this kind, premiums are paid
annually for a certain number of years, fixed
upon at the time of insuring, or, until the
death of the insured, should that occur prior
to the end of the selected period. The policy
is payable on the death of the insured, when-
ever that may occur.
Special Advantage. — The payments on
this class of policies may all be made while
the insured is still young, or in active business ;
then if he lives to old age the policy is not a
continual expense, but, on the contrary, the
dividends afford a yearly income in cash, or
they may be used to increase the amount
assured.
III. Endowment Policies.
An Endowment Policy provides (i) insurance
during a stipulated period, payable, like that
of any other policy, at the death of the insured,
should he die within the period ; or (2), should
the insured live until the end of the period,
an endowment, of the same amount as the
policy, payable, at that time, to the person
insured. The premiums may be paid annually
until the endovraaent is due, or they may be
paid up in a shorter time, like those of Limited
Payment Life Policies.
Special Advantage, — Th2 Endowment
Policy gives the insured the advantage of a
limited term as to payment ; provides insur-
ance during the period in which his death
would cause most embarrassment to his family ;
and, if he lives to the stipulated age, the
amount of the policy is paid to him at a time
when he may need it.
Dividends and Non-forfeiture Features.
Upon these three classes of policies, divi-
dends are declared and paid annually, begin-
ning with the second year, if the policy is kept
in force. The policy-holder has the option of
receiving the dividend in cash, or of allowing
it to remain with the Company in reversion,
thus increasing the amount of his policy. If
thus left with the Company, dividends may
afterward be converted into cash and used in
payment of future premiums. These policies
are also by their terms non-forfeitable, that is to
say, after three annual premiums have been
paid, they are exchangeable for paid-up policies
of proportionate amount, without participation
in profits, if surrendered in accordance vnih.
their terms.
IV. Annuity Policies.
An Annuity Policy secures to the holder the
payment of a certain sum of money every year
during his life-time. It is secured by a single
cash payment.
Special Advantage. — An Annuity Pohcy
gives to a m. n who has a certain sum of money
in hand the opportunity of getting the largest
possible sum from it annually while he lives,
without the risk and trouble of ordinary invest-
ments, and without the risk of being left pen-
niless in his last years.
V. Tontine Investment Policies.
Any of the Life and Endowment policies
mentioned above may be issued under the Ton-
tine Investment form, the applicant stating
in his application for insurance whether he
desires his Tontine period to end in 15 or 20
years. The premium rates are the same
as for other forms of insurance, and are to be
paid in full, in cash, each year, according to
the terms of the policy.
Tontine Investment policies participate AS
*
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^•^•^^
T^^iHi
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M*
A CLASS in the surplus of the Company, and
therefore will receive, AS A class, the benefit
of what is commonly called the dividend of the
Company ; but no dividends will be allowed to
increase the amount of the individual policy, nor
to diminish the cash payment required thereon
during the Tontine period selected, surplus
accruing' to policies of this form being
placed to the credit of the Tontine
Dividend Fund, Those living members
who discontinue their policies within the se-
lected Tontine period will receive neither paid-
up policies nor surrender-values, but profits
from this source, as well as from the
dividends of those who do not survive
their respective Tontine periods, will
be placed to the credit of the Tontine
Dividend Fund, from which, at the
completion of the respective periods,
dividei:is are declared exclusively
among the survivors who have kept
their policies in force.
A Choice of Benefits.
Three months prior to the termination
of the selected Tontine period, the policy-
holder, by making application to the Company
therefor in writing, may have choice of any of
the following methods of disposing of, or con-
tinuing, his pohcy : To sell his policy to the
Company for cash ; or to sell his policy
to the Company and receive, in lieu of cash,
either a yearly income for life, or a paid-up
policy, under certain conditions noted below ;
or to continue his policy by the ^Dayment of
premiums, receiving his share c/the Tontine
Dividend Fund in cash, or converting it into
an annuity for life.
Special Advantages. — The special ad-
vantages of the Tontine plan consist ( i ) in the
large returns in proportion to premi-
uras paid, whether the insured die soon
after insuring, or live to complete his
Tontine period ; and (2) in the various
advantageous methods by w^hich one
may either dispose of, or continue, his
policy, as his circumstances may re-
quire, at the termination of his Ton-
tine period.
Those who die before the expiration of their
Tontine periods receive no dividends, but,
dying so soon after insuring, the amount of
their policies alone gives a large return for the
premiums paid. If one survive his Tontine
period and keep his policy in force, he may
then receive for it any one of the bene-
fits named above, and as the surplus accru-
ing during the whole period from a large
number of policies will be divided among a
diminished number, the share of each must be
much larger than on the ordinary plan. The
Tontine Investment Policy has, therefore, the
advantages of the endowment feature in having
a large cash value, at the end of a
specified time, and the farther advantage
that one may continue the insurance
feature if he stQl needs insurance — in
short, it gives a large return for its cost, and
can be adapted perfectly to the changed cir-
cumstances of the jjolicy-holder.
It Meets Objections to the Ordinary Plan.
The Tontine plan effectually disposes of the
objection raised by some, from families of
great longevity, who are in the enjoy-
ment of high personal health and living
under the most favorable circumstan-
ces, that under the ordinary system of Life
Insurance, from being associated with others
less fortunate than themselves in those par-
ticulars which promise or tend to long life,
they are obliged to bear the burdens of the
weaker, and do not receive a commensurate
return for their outlay. Under this system
these apparent differences are equalized and
they receive the maximum benefit to
which their superior vitality and per-
sistence in payment of premium entitle
them.
It also meets another objection raised. At
the time of applying for the insurance, the
main object may be the securing a provision
for the family in case of death during the pro-
ductive period of life, yet at some subsequent
time the conditions may be entirely changed,
through the death of those dependent, or their
being otherwise provided for, or the cir-
cumstances of the insured himself
may so change as to make it more for
his interests and those of his family
to withdraw from the Company, which
under the ordinary plan cannot be
done, except at a loss. The Tontine
Investment Policy meets such cases
exactly, under the option of the with-
drawal of accumulations.
i|i^^
'^l^^^
4
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■^^f%h^
A Fixed Surrender Value.
t
St£
The Tontine is the only class of
Policy in which a cash surrender-
value for a fixed amount is named.
To those Policy-holders who complete their
Tontine Periods, the Company guarantees
as a minimum cash surrender-value
the entire fund required by the laws
of the State of New- York to be held
as a reserve ; and it also guarantees,
in addition, such surplus profits as
may have accumiilated on the respect-
ive Tontine Policies. In this manner
not only is a minimum surrender- value fixed,
but it is much larger than could be allowed
on any other form of Policy.
To those who have a reasonable prospect
of continuing their Policies, and are conscious
of a superior vitality, the Tontine Investment
Policy presents unmistakable advantages, and
to such only it is recommended. But where
such circumstances exist, to the business man
desiring sure and profitable investments ; to
the professional man seeking a certain income
in his advanced years, and a support for his
family in case of early death ; to those wishing
to secure the payment of mortgages or other
liabilities ; in short, for any purpose for which
Life Insurance is available, no other plan offers
so many advantages, with such absolute secur-
ity, as the Tontine Investment Policy of the
New- York Life Insurance Company.
Special Conditions.
A GRACE OF ONE MONTH will be allowed in
payment of premiums on Policies in this class,
at the expiration of which time (if unpaid) the
Policy is canceled. But a re-instatement
will be permitted, provided :
I St. That an application in writing for such
re-instatement be made to the Company, at its
office in the city of New-York, within one
month after the expiration of the month of
grace.
2d. That a medical examination of the party
insured, made by an approved examiner, upon
the blank provided by the Company for that
purpose, is furnished by the applicant at his
own expense.
3d. That such medical examination is ap-
proved by the medical board at the Home
Office of the Company, and that under the
state of facts then existing, the risk is recom-
mended for re-instatement as being satisfac-
torily insurable on the plan originally granted.
4th. That after such approval, the payment of
the back premium. and of the fine mentioned
below is made immediately.
It is expressly stated that there will be no
liability on the part of the Company for loss,
should death occur after the expiration of the
first month of grace. In all cases where the
grace is availed of, or the Policy re-instated as
above mentioned, a fine at the rate of ten per
cent, per annum, on the amount of the pre-
mium, will be collected.
Tabular View.
To illustrate the practical result of Policies
on this plan, after an insurance of FIFTEEN
OR TV^TENTY YEARS, the estimates given on the
following page have been prepared : the age
38 at entry, at which the calculations are made,
is selected as being a fair average age, but the
results at different ages of entry and in differ-
ent classes of policies must necessarily vary
from these given, in the same manner that
Dividends and Reserves on different classes
of Policies vary.
Estinfiated Results not to be Considered
Guarantees.
While much larger results than those given
herein have been approved and indorsed by
some of the most competent and experienced
life-insurance experts, and by men of great
financial and business experience, it is ex-
pressly stated that these examples are presented
as estimates only, and are not to be considered
as promises or guarantees. The elements in-
volved— viz. : mortality, interest, and miscella-
neous profits— being variable in their nature,
exact results cannot be foretold.
The Company, however, by judicious selec-
tion of risks, and by great care in management,
will make every effort to meet the expectations
of those who may select this form of policy,
and it is beHeved that profitable results can be
relied upon with as great a degree of certainty
as stockholders rely upon the future dividends
of stock held by them in the best managed
railroad corporations and banking institutions.
For full details, conditions, and information,
reference is made to the pamphlets on this
subject published by the Company, which may
be obtained upon application.
"t
t
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4k*- =^4^«4= ^-4»
THE TONTINE INVESTMENT POLICY '
OF THE NEW- YORK lilFE INSURANCE COMPANY
So combines the Tontine principle in the distribution of surplus with Ordinary Life and Endowment Assurance as to
afford to those who survive certain selected periods, the maximum benefit to which they become entitled by their
superior vitality and persistence in payment of premium. Below are given brief illustrations and
ESTIMATED RESULTS
OF A
Tontine Investment Policy of $10,000
ON THE ORDINARY LIFE TABLE OF RATES,
InSTiriiig- at 38 years of age, -with Premium of ^291.50 Annually, during- a
selected Tontine Period of Fifteen or Twenty Years.
The
* BENEFITS PROPOSED
At the option of the Policy Owner,
are:
If the 15-Year Tontine If the 20-Year Tontine
Period be chosen, Period be chosen,
H,372.50 *5,830.00
Having been paid. Having been paid.
To sell the Policy to the Company, for
Cash. Estimated Accumulations or
value, including Surplus
Guaranteed Minimum Surrender Value,
exclusive of Surplus
M30.00 10,450.00
*2,201.43 *3,139.87
•Jl^ exclusive of Surplus L^l\j\,'T\J OjOC/. Of T
Or,
To sell the Policy to the Company, and
Purchase, with the Proceeds, a Yearly
Income for Life, estimated at
498.40 1,102.50
Or,
To seU the Policy, and Purchase, with ' $11 OCH HO* $1(1 1 (\f\ HH*
the Proceeds, a Paid-up PoUcy With- I . OOU, UU^^ I <J . I UU. UU*
11,650.001 19J00.00i
To continue Policy by Payment of Pre- $QQ^/IO $77100
miums, and purchase, with Surplus, ' ^v/Oi^l v/ I I li^V/
3,228.57 ^7,310.13
out Profits, estimated at.
Or,
■ by
rcha
a Yearly Income for Life, estimated at
Or,
To continue Policy by Payment of Pre-
miums, and withdraw the accumu-
lated Surplus in Cash. Surplus esti-
mated at
i:
* The option of these benefits is with the Policy-holder, but his choice is to be communicated to the Company, in
writing, three months prior to the termination of his Tontine dividend period. If no such notice is received, the accu-
mulated dividend will be converted into an Annuity to continue for the number of years that payment of premium is
required (if any such there be), and to be applied to the reduction of such remaining premiums, any excess over the
premium being payable in cash. Or, if no more premiums are required, then said Annuity shall be for life.
** Provided, that when the amount of the Paid-up Policy exceeds the original amount of the Insurance, as a con-
dition precedent to its issue, it will be required :
ist. That a medical examination of the partj' insured, made by an approved examiner, upon the blank provided by
the Company for that purpose, is furnished by the applicant, without expense to the Company.
2d. That such medical examination is approved by the medical board at the Home Office of the Company, and the
risk is recommended by them ; and that the Policy is legally surrendered during the life-time of the insured, and within
ninety days after the termination of the Tontine period.
-^^^
»"&-
f
^^5'^ ______
PIONEER SUNDAY JOURNAL OF AMERICA.
--»-^
THE NEW-YORK SUNDAY MERCURY.
ESTABLISHED 1839.
Fiftjr-six OolxuxLiis of EntertainirLg Jrleading Matter ^Veekly,
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THE NEW-YORK SUNDAY MERCURY,
Having the largest circulation of any Sunday newspaper in America, is mailed to all parts of the world for Two
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Single Copies, Five Cents.
]NM. CAU LOWELL, Proprietor, No. 3 Park Row, flm-Ywk.
Staten Island Fancy Dyeing Establishment,
BARRETT, NEPHEWS & CO.
BRANCH OFFICES
1
279
199 Broadway, New- York. ^ ♦S i\r V InhTI rsT IM Y H 10 W. Baltimore St. Baltimore.
79 Fulton St. Brooklyn. 5 U OO I «J Ullli L)b. J.\ . J. . ^ 47 North 8th St. Philadelphia.
All kinds of Ladies' and Gentlemen's Clothing dyed or cleaned.
Ladies' Dresses, Cloaks, &c. of every color, cleaned.
Gentlemen's Overcoats, Pantaloons, Vests, &c. cleaned or dyed without ripping apart.
Kid Gloves and Feathers dyed or cleaned. Shades and Curtains cleaned, &c.
BARRETT, NEPHEWS & CO. Office, 5 &7 John St. N. K.
ESTABLISHED 1845
AnotJier G-old Medal,
PARIS, i8y§.
fiOD- LIVER OiL.
Is well known as a Eemedy for ScrofuSa, Consiiiiip-
tion, Cbronic Rheumatism, Bone nuil Joiul
Diseases, and emaciation resultiui^ therefrom.
MOLLER'Sw"eS?;n COD-LIVER Oil
MOLLEFV's^
Is superior to any in delicacy of taste and smell, me-
dicinal virtues and purity. Dr. L. A. Sayre, Dr. J.
Marion Sims, and other high medical authorities of
New York, have repeatedly asserted its superior merits.
Dr. Abbotts Smith, of the North London Consumption
Hospital, and other eminent London and European
physicians, pronounce it the purest and best. For sale
by Drug-gists. W. H. ISchieffelin &, Co., New
York, Wholesale Agents for the U. S. and Canada.
DAILY MORNING PAPER.
'^^en?- "porker ^craltJ.
DAILY— 1 CT.— EVENING PAPER.
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AND
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All classes of merchants and dealers who are seeking for German trade will find advertisements
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t
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<r«*> =^^^^^^= ^3>4i
American Fire
INSURANCE CO. OF NEW-YORK.
[ORGANIZED 1857.]
No. ISO Broad^v^ay.
STATEMENT, JULY (st, 1880.
CASH CAPITAL $400,000.00
Net Surplus 509,510.64
Assets (available for Fire Losses) $909,510.64
Unearned Premiums and other liabilities 91,577.34
I
TOTAL
ASSETS $1,001,087.98
Policy-ltoldcrs in this Company have itlCredSeti- protection tinder the guarantees of the
New-York SAFETY FUND LAIV, under xuhich, in case of an extensive conflagration.,
The Company cannot be destroyed ;
The Company cannot go into the hands of a Receiver ;
The Company can pay more to claimants than if not under the law ;
The Company can pay all claims promptly, saving the extraordinary delays and expenses inci-
dent to a Receivership ;
The Company can and does protect every unburned Policy-holder — and this is of vital interest
to Mortgagees and other collateral holders, who have uninterrupted indemnity.
This La%v is of greater benefit to Policy-holders than any ever before enacted.
DAVID ADEE, Sec'y HENRY DAYTON, Gen'I AKeiit. W. H. CROL.IUS, Ass't Sec'y.
STATEMENT
OF THE
HOFFMAN
FIRE INSURANCE COMPANY,
113 Broadway, Ne^v-York.
JULY 1, 1880.
ASSETS.
United States Bonds $1 16,906.26
Bank Stocks 19,750.00
Railroad Stocks and Bonds 25,700.00
Real Estate owned by Company 27,902.60
Loans on Real Estate 97,493.00
Loans on Collaterals 2.750.00
Cash on hand and in Banks 19,620.03
Interest accrued 3,997-78
Premiums in Course of Collection , , 15,338.82
$329,458.48
LIABILITIES.
Cash Capital , $20." 000.00
Re-Insurance Reserve and all Liabilities 85, /48.71
U
285,743.71
Net Surplus $43,714.77
SAM'L M. CRAFT, Vice-President. M. F. KODGES, President.
JOHN D. MACINTYRE, Secretary.
-^^f^-^ ^\
-4f-^
LONG ISLAN
f
INSURANCE COMPANY.
203 Montague St. 176 Broad^vay.
BROOKLYN. NEW-YORK.
NOVEMBER, 1880.
Capital $300,000.00
Re-Insurance Reserve 46,000,00
Net Surplus 206,610.73
Assets $552,610.73
JONATHAN oaDEN, Vice-President. W. L. CORTELYOU, Pres't.
HENKY BliATCHFOKD, Secretary.
STAR
FIRE INSURANCE COMPANY,
141 BROADWAY, NEV\^-YORK.
STATEMENT, JULY 1, 1880.
Cash Capital $500,000.00
Net Surplus. 135,014.05
Reserve for Re- Insurance, Losses, and other claims, 180,006c 15
$815,020.20
Insurers are invited to examine the clear and distinct arrang-ement, explicit langruag'e,
and brevity of our ne-w form of Policy.
LEV! APGAR,
JAMES FLANAGAN,
ALLAN HAY,
WILLIAM W. OWENS,
JOHN F. PUPKE,
EDGAR PINCHOT,
CHARLES B. RICHARD,
CHARLES SPEAR,
H. K. THURBER,
R. CORNELL WHITE,
JOHN R. FLANAGAN,
JOHN R. SMITH, Vice-President.
JAS. M. HODGES, Secretary.
DIRECTORS.
NICHOLAS C. MILLER,
JAMES S. BARRON,
ZACHARIAH JAQUES,
E. BEADLESTON,
CHARLES DENISON,
D. B. MOSES,
JOSEPH W. MARTIN,
JOHN C. TUCKER,
ELBERT BAILEY,
JAMES G. POWERS,
JAMES C. GULICK,
JOHN CLAFLIN,
J. FISHER SATTERTHWAITE,
E. H. AMMIDOWN,
JOHN R. SMITH,
JULIUS CATLIN, Jr.,
WILLIAM H. GEBHARD,
DAVID JONES,
EDWARD H. PERKINS, Jr..
FREDERIC J. DE PEYSf ER.
NICHOLAS C. MILLER, President.
4i-<£^-
-^•4i-<^-
^
^•fr
Thirty-six Years^ Business Experience.
•YORK LIFE INSURANCE liO.
PURELY irUTUAL. DIVIDENDS ANNUALLY.
Surplus, New-York State Standard, over $8,000,000.
AGB. STRENGTH. CAR£FC7I< MANAGEMENT.
47yOOO Policies In force. $66,000,000 Paid to Policy-holders.
140.000
THE COMPANY'S HOME OFFICE, 346 & 348 Broadway, New- York.
THE NEW-TOBK LIFE INSITBANCE COMP AITS' has been doing business for thirty-siz yean, and now
offers to those desiring life insurance a Combination of Advantages which only long experience, a laige
and well established business, and carefully perfected plans and methods can afford. Among these advantages
are: (1) The absolute Security of its Bolides. (2) Insurance at Low Cost. (3) Liberal and Equitable Dealing.
Having always been a purely mutual Company, policy-holders receive their insurance at actual current cost,
and its age, strength, prosperity and economicfd management combine to reduce that cost to the minimum. The
Company is conducted in the interests of policy-holders alone. In the decision of questions involving their
lights the invariable rule is to consider, not the technical legality of the claim alone, but also its real justice.
The non-forfeiture system of policies originated with this company in 1860, and has since been adopted —
though sometimes in questionable forms— by all other companies. This feature saves millions of
dollars every year to policy-holders, and for this they are Indebted prima*
rily to the NEW-YORK LIFE. The system as now perfected by the NEW-TOBK LIFE seonret
Safety to the Company (without which all interests are jeopardized), and Justice to the insured.
MORRIS FRANKLIN, Pres.
THEODORE M. BANTA, Cashier.
D. O'DEIili, Sap't of Agrencies.
WILLIAM H. BEERS, Vice-Pres. & Actuary.
CHARLES WRIGHT, M. D. )„ .. , R,,™,n««
HENRY TDCK, M. D. 5 Medical Exammers.
-■'fPlTfyrft'Wffg'''ffiTi^
^r^^.t'^l^^t^^W^^-l^'^^V^^W^^^VV
FARRAGUT FIRE
INSURANCE COMPANY
OF THE CITY OF NF,\V-YORK,
No. 346 Broadway.
BRANCH OFFICES
No. 152 Broadway, New-York; No. 81 Broadway, Brooklyn, E. D.
Statement, July i, 1881.
Cash Capital $200,000.00
Reserve for Re-insurance 86,880.01
Reserve for Losses i3>309-55
Reserve for Taxes, Rent, Commissions, &c 3.79i»05
Net Siirpl us 1 34,3 2 1 . 5 7
$438,302.18
INVESTED AS -FOLLOWS:
United States Bonds $287,500.00
Bank Stock 12,000.00
Bonds and Mortgages 11,5 00.00
Temporary Loans 40, 5 00.00
Real Estate 44,000.00
Cash on hand and in bank 29,247.62
Unpaid Premiums 12,600.56
Interest accrued and Rents 954.00
$438,302.18
JOHN M. FURMAN, President.
JOHN E. LEFFINGWELL, Vice-Pres't. SAMUEL DARBEE, Sec'y.
CHARLES A. BOGUE, Ass't Sec'y.
DIRECTORS.
JOHN M. FURMAN President.
E, E. EAMES H. B. Claflin & Co.
PHILO C. CALHOUN . .Pres't Fourth Nat' 1 Bank.
WM. H. BEERS Vice-Pres't N. Y. Life Ins. Co.
N. D. MORGAN Brooklyn.
CHARLES WRIGHT, M. D N. Y. Life Ins. Co.
SEY-MOUR L. HUSTED,Pres.DimeSav.B'k,B'klyn.
ECKFORD WEBB, late of Webb, McLaughlin & Co.
CHARLES A. DENNY 140 Nassau St.
WM. WATSON Wm. Watson & Co.
MARCUS F. HODGES.. President Hoffinan Ins. Co.
W. F. SHIRLEY New- York.
A. H. GODWIN Paterson, N.J.
J AS M. DUNBAR Jas. L. Little & Co.
S. S. FISHER Manufacturer.
GEORGE H. JONES New- York.
SAMUEL COOPER 7 Pine .'^trtet.
STEW'T L. WOODFORD, Amoux,Ritch& Woodford.
EVERETT CLAPP New- York.
DAVID M. HILDRETH New-York.
JOHN E. LEFFINGWELL Vice-President.
mmi
FIRE INSURANCE COMPANY
Of the City of New- York.
Office, 166 Broadway.
(CHARTERED IN 1852.)
This Company has been in successful operation twenty-nine years, and has paid all its losses,
including those of the great conflagrations of Troy, Portland, Chicago, and Boston, promptly,
and in full, and continues to insure against Loss or Damage by Fire on reasonable terms.
Cash Capital $200,000.00
Re-insurance Reserve, June 30, 1881 , 24,094.22
Unpaid Losses and other Liabilities, June 30, 1881 5,506.79
Net Surplus, June 30, 1881 29,149.89
Total Assets, " " $258,750.90
WM. A. ANDERSON, President
C. W. PARMELEE, Secretary.
DIRECTORS :
Wm. A. Anderson,
Wm. A. Thomson,
Isaac N. Phelps,
Sam'l Colgate,
William Barton,
A. R. Van Nest,
F. Lawrence,
J. B. Rumrill,
Czar Dunning,
Joseph Slagg,
W. W. Phelps,
George B. Greer,
James Stokes,
Elward Smith,
Chas. B. "Colton,
Harman Blauvelt,
Henry Van Schaick,
O. G. Walbridge,
L. Bayard Smith,
W. O. Woodford,
Elbert A. Brinckerhoff,
Lester A. Roberts,
Alfred J. Taylor,
John C. Hoyt,
C. W. Parmelee,
Alexander Rumr.ll,
John B. Snook,
A. F. Pearse,
George De Forest Barton,
John G. Davis.
THE
CHRISTIAN UNION.
LYMAN ABBOTT, Editor.
With the first of January, 1882, The Christian Union enters upon its thirteenth year and twenty-
fifth volume. In the future, as in the past, it proposes to be
I.— HELPFUL.
It will give, every week, something which will
help its readers to be more true, more patient,
more courageous, more gentle, more faithful —
in a word, nobler Christian men and women.
It will help parents to be forbearing, children to
be obedient, servants to be hearty, employers to
be considerate, neighbors to be friendly, and
friends to be faithful. It will help every heart
to bear its own burden, and a neighbor's bur-
den too, and to grow more near to God by a
daily life more worthy of a true Christian man-
hood.
IL— SPIRITUAL,
It will not devote twenty columns to hammer-
ing at the shell and one to picking out the
kernel. Doubtful disputations about forms and
methods and rites and formulas will not jostle
from its columns the explication and application
of the "truths that make for righteousness."
Mint and anise and cummin will go in fine
print; judgment, mercy, and faith in clean, clear,
bold-face type.
III.— FRESH.
It will deal with the theories of the present.
Its motto will be " day by day our daily bread."
It will not ransack the middle ages for topics. On
the eve of a political election it will present the
duties of citizenship ; in a time of religious re-
vival it will present methods of Christian work.
The text of the minister is to be found in the word
of God ; the text of the editor in the providence
of God. He will study that book as God turns
its leaves over for him from day to day.
IV.— COMPACT.
It will put great truths in little compass. It
will take introductions for granted and will re-
morselessly cut off perorations. It will allow no
space for rhetorical eloquence. It will allow no
superfluous words. In lime, its contributors will
catch the spirit of its editors, and every page will
march compact as an army to battle. It will
throw out no skirmish line and allow no strag-
glers.
v.— MANY-SIDED.
It will seek the best thoughts of the best think-
ers on every topic of importance. Its round table
will be a famous gathering-place of free knights.
Every contributor will be at liberty to speak his
own mind. The paper will not be a personal
organ, a whispering gallery to magnify one
small voice into a sound of thunder. It will
have much weight because in it will speak many
weighty men.
Above all, it will be
VI.-CATHOLIC, COURTEOUS,
CHRISTIAN.
Putting away all uncharitableness, it will speak
the truth in love. It will make mistakes some-
times, for there is only one infallible man, and
he lives in Rome and is not an editor. But its
readers will learn to trust it, and to believe that
if it is sometimes mistaken it never deliberately
misreports, and never consciously conceals the
truth.
In Carrying Out this General Plan,
the paper will avail itself of the services not only
of its regular editorial staff, comprising
MESSRS. LYMAN ABBOTT, ELIOT
Mccormick, and Hamilton
W. MABIE,
but of the best literary talent in the country.
Mr. Beecher's retirement from the Editorial
Chair will only make him a more frequent con-
tributor, while the large force of writers, editorial
and otherwise, who have been associated with
the paper in past years will continue to enrich it
with their choicest thought.
The subscription price is $3.00 per annixm; Clerg-ymen, $2.50. Send one tliree-cent stamp
for sample copy. Address
THE CHRISTIAN UNION, 22 Washington Square, New-York.
THE INDEPENDENT.
" The forefjiost Religions Newspaper of the United States. '''' — Rev. Joseph Cook.
The Independent was established in December,
1848, and is, therefore, thirty-three years of age.
It was started with the object of supplying the Con-
gregational churches with an organ which should be a
vigorous advocate of anti-slavery and other reforms, and
continued so until the year 1863, when it became unde-
nominational— the proprietor believing that it could thus
accomplish more for religion and reform than if it were
nominally connected with any religious denomination.
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Me Wittho&ht
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THE GREENWICH
INSURANCE COMPANY.
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ORGANIZED IN 1834.
(This Company has been uninterruptedly and successfully
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9 1 St Semi-Annual Statement of Assets.
JULY 1, 1881.
United States Registered Government Bonds (market value) $296,950.00
District of Columbia Registered 3-65 Bonds (market value) 136,250.00
Loans on Bonds and Mortgages, being first liens on improved real
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First Mortgage Railroad Bonds (market value) 12,600.00
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$79134427
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insurance, and all other claims) $216,391.10
Net Surplus 375,453.17
$791,844.27
SURPLUS as regards Policy-holders $526,912. 12
SAMUEL C. HARRIOT, MASON A. STONE,
President. Secretary.
THE
NEW-YOEK ALMANAC
FOR
1882.
EDITED BY JAMES M. HUDNUT.
I^E^V-YORK:
FRANCIS HART «fe CO. 63 MURRAY ST. COR. COIiLEGE PLACE
1888.
Copyright, 1881, by FRANCIS HART & Co.
THE NEW-YORK ALMANAC.
ASTROISOMICAI. PHE:N^0MEI»^A, ETC., 1882.
By Berlin H. Wright, Esq., Penn Yan, N. Y.
ECLIPSES, 1883.
There will be two Eclipses this year, both of
the Sun ; and a Transit of the planet Venus over
the disc of the Sun :
I. A Total Eclipse of the Sun, May 17, invis-
ible in America.
II. An Annular Eclipse of the Sun, Nov. 11,
visible in Pacific Ocean only.
III. A Transit of the planet Venus across the
Sun's disc, Dec. 6, visible throughout North
America and Europe. [See table.]
Table of Transit of Venus, Dec. 6, 1882.
PLACES.
Beginning.
Alt.
Ending.
Alt.
H. M. S.
De?
H. M. S.
de?
Albany, N.Y
9 29 51AM
16
2 51 58PM
13
Austin, Tex
75336"
II
I 1742 "
32
Baltimore, Md. . .
918 13 "
18
2 40 29 "
17
Boston, Mass
9 40 26 "
19
3 236 "
12
Buffalo, N.Y
9 914"
15
231 32 "
15
Charleston, S. C. .
I 9 4 47 "
21
2 27 26 "
24
Chicago, 111
8 34 28 "
II
25718 "
19
Cincinnati, O. . . .
84653"
14
2 9 32 "
21
Columbus, 0
85241 "
14
2 IS 23 "
20
Detroit, Mich
85245 "
14
21525 "
19
Denver, Colo
72455 "
2
0 49 10 "
27
Galveston, Tex. . .
8 524"
14
I 29 23 "
33
Houston, Tex. . . .
8 244 "
13
I 29 23 "
33
Indianapolis, Ind.
84035 "
13
2 3 20 "
22
Kansas City, Mo.
865"
8
I 2939 "
26
Louisville, Ky. . . .
84250 "
15
2 538 "
22
Milwaukee, Wis. .
8 33 14 "
10
I 56 2 "
20
Mobile, Ala
8 32 24 "
18
I 55 43 "
31
Nashville, Tenn..
83730 "
15
2 0 36 "
2S
New Orleans, La.
82430 "
16
14755 "
31
New- York Citv. . .
92845 "
18
25051 "
14
Philadelphia, Pa. ,
924 7 "
18
2 46 16 "
I.S
Providence, R. I . .
9 39 7 "
18
3 I 12 "
13
Raleigh, N. C...
9 9 26 "
20
2 32 4 "
21
Richmond, Va. . . .
9 1452 "
18
2 47 10 "
18
Rochester, N. Y . .
9 13 28 "
IS
23543 "
14
SanFrancisco.Cal.
Beg.bef.su
nri.
II 41 IIAM
30
St. Augustine, Fla.
8 58 5AM
22
2 20 58 PM
27
St. Louis, Mo
8 23 54 "
12
14655 "
24
St. Paul, Minn....
8 12 47 "
S
13552 "
19
Springfield, 111... .
8 26 44 "
10
14944 "
22
Washington, D.C.
9 1634 "
18
23847 "
18
Note.— In the Middle and New England States, Venus will
cross the Sun's southern limb from east to west, first touching the
Sun's disc at a point 150 degrees from the north to the east, and
leaving the Sun 120 degrees from the north point toward the west.
MOVABLE FEASTS, 1888.
Septuagesima Sunday February 5
Sexagesima Sunday February 12
Quinquagesima Sunday February 19
Ash Wednesday February 22
Quadragesima Sunday February 26
Mid-Lent Sunday March 12
Palm Sunday April 2
Good Friday April 7
Easter Sunday April 9
Low Sunday April 16
Rogation Sunday May 14
Ascension Day May 18
Whit Sunday (Pentecost) May 28
Trinity Sunday June 4
Corpus Christi June 8
Advent Sunday December 3
EMBER DATS.
Wednesday, Friday, and Saturday after first
Sunday in Lent — March i, 3, and 4.
Wednesday, Friday, and Saturday after Pen-
tecost— May 31, June 2 and 3.
Wednesday, Friday, and Saturday after 14th
of September — September 20, 22, and 23.
Wednesday, Friday, and Saturday after 13th
of December — December 20, 22, and 23.
THE EOUR SEASONS.
( Washington mean time.)
Winter begins 1881, December 21, 10 h. 52 m.
morning, and lasts 90 d. i h. 10 m.
Spring begins 1882, March 21, o h. 2 m. even-
ing, and lasts 91 d. 20 h. 4 m.
Summer begins 1882, June 21, 8 h. 6 m. morn-
ing, and lasts 93 d. 14 h. 23 m.
Autumn begins 1882, September 22, 10 h. 29 m.
evening, and lasts 89 d. 18 h. 16 m.
Winter begins 1882, December 21, 4 h. 45 m.
evening.
Tropical year, 365 d. 5 h. 53 m.
MOENIXG STARS.
Mercury, until January 6, and from February
22 to May 2 ; June 28 to August 14 ; and Octo-
ber 22 to December 16.
Venus, until February 20 ; and after Decem-
ber 6.
Mars, after December 10.
Jupiter, from May 30 to Sept. 23.
Saturn, from May 6 to August 18.
Uranus, from September 11 to December 15.
Neptune, from May 6 to August 11.
THE NE^AT-YORK ALMANAC.
EVEKIISTG STARS.
Mercury, from Jan. 6 to Feb. 22 ; May 2 to
June 28 ; Aug. 14 to Oct. 22 ; and after Dec. 16.
Venus, from February 20 to December 6.
Mars, until December 10.
Jupiter, until May 30 ; and after September 23.
Saturn, until May 6 ; and after August 18.
Uranus, until Sept. 11 ; and after Dec. 15.
Neptune, until May 6 ; and after August 11.
PLAKETS BRIGHTEST, 1883.
Mercury, February 3-6, May 28 to June i, and
September 25-28, setting after the Sun ; also,
March 21-24, J^^ty 19-22, and November 7-10,
rising before the Sun. Venus, November i.
Mars, not this year. Jupiter, December 18.
Saturn, November 14. Uranus, March 6. Nep-
tune, November 9.
MOO^S^'S APOGEE, PERIGEE, HIGH-
EST AND LOTVEST.
THE ZODIAC AND ITS SIGNS.
MONTH.
Moon
Apogee.
Moon
Perigee.
Moon
Highest.
Moon
Lowest.
January
February . . .
March
April
May
June
July
August
September .
October
November. .
December . .
7
4
3-30
27
25
21
19
16
12
9
6
3-31
20
17
18
15
12
7
3-31
29
26
24
22
18
1-29
25
24
21
18
14
12
8
4
1-29
25
23
16
12
12
8
5
1-29
26
23
'§
16
12
10
CAXiENDAR EXPLANATIONS.
In the columns of moon's rising and setting,
the time of only one of these events is given for
each day — -that one which occurs while the Sun
is down. When the word "rises" is found in
the column, the Moon is at the full, and the fig-
ures following that word are P. M., or evening,
until the word "morn," which means midnight.
From " morn " the figures are A. M., the Moon
rising in the morning before the Sun is up.
Then after the word " sets," the time of setting
is given, which grows later and later, from early
evening until early morning, until the Moon
again is at the full.
To get the correct time, use a meridian line
and set your time-piece by the time given under
" Sun at noon mark." The times of Sun's rising
and setting are exact only where the Earth's
surface is level.
Spring Signs.
T Aries.
B Taurus.
n Gemini.
Summer Signs.
23 Cancer.
ft Leo.
m Virgo.
Autumn Signs.
7. =^ Libra.
8. Ill Scorpio.
9. t Sagittarius.
Winter Signs.
10. \3 Capricornus.
11. ivi' Aquarius.
12. >« Pisces.
The Zodiac is an imaginary belt in the
heavens, sixteen or eighteen degrees broad, in
the middle of which is the ecliptic, or Sun's path.
The stars in this belt comprise the twelve con-
stellations, being separable into that number of
groups. The groups were given by the ancients
the names they now bear, on account of real or
fancied resemblances. They are called the
Signs of the Zodiac. The above classification
refers to the position of the Sun. The Moon
passes through them all every 27 d. 7. h. 43 m.
II. 5 s. The ancients supposed their position
at the time of a person's birth to liave an
influence on his character and destiny. They
connected the diiferent Signs of the Zodiac with
different parts of the body, as above. Some
people still consult their almanacs when about
to plant certain vegetables. Probably there is
about as much sense in one as the other. The
classification serves a useful purpose, however,
as the prominent stars in each constellation are
known by different letters of the Greek alphabet,
and hence are easily designated.
THE NEW^-YORK ALMANAC,
THE thirty-sixth annual report of the New-
York Life shows that this old and trust-
worthy institution continues to enjoy in a marked
degree the confidence and patronage of the
insuring public. The large increase in assets,
surplus, and policies in force must be very grati-
fying alike to the officers of the Company —
whose prudence and skill are thus attested — and
to the policy-holders, who reap the benefit of the
Company's increasing prosperity and strength."
— Examiner and Chronicle.
THE words of Mr. Joshua Billings are pointed.
" Thar iz advice enuff now laying around
loose to run three just such worlds as this ; what
we are suffering most for iz sum good examples."
If you do not wish to trade with the devil, keep
out of his shop. — Thos. Fuller.
The universe is in league against the selfish
man. Not to prevent him from getting
property, not to prevent him from having all the
outward semblance of happiness, but to prevent
his having the real thing, and having it winter
and summer with him, and having the remem-
brance of it sweet. And so, if a man does not
enjoy making others happy, it may be wise for
him to inquire why. He may do it softly, and
tell no man the answer the oracle within him
gives, but let him not despise it nor disregard it.
If a man is walking in devious ways morally ;
if he is neglecting his business or liis family ; if
he is trusting to "luck," or to the forbearance and
charity of those to whom he ought to be not only
just, but generous — let him know that the
RESULT will judge him. From that there will
be no appeal.
First Month.
JANUARY, 1882.
Thirty-one Days.
X
1
•
H
O
S
^
t.
II.
o
0
^
>
<
<
a
a
I
a
2
Mon
^
Tues
4
Wed
s
Thur
6
Fri ;
7
Sat 1
8
A
4
Mon
lO
1 ues
II
Wed
12
Thur
n
Fri
14
Sat 1
IS
&
16
Mon
17
Tues
t8
Wed
iq
Thur
20
Fri
21
Sat
22
S
2^
Mon
24
Tues
2=;
Wed
26
Thur
-1
Fri
28
Sat
29
S
^°
Mon
:ii
Tues
Life Insurance
Phenomena
for the most health-
ful portions of
the united states,
ihe dominion of canada,
GREAT Britain and
Irf;land,
France and Belgium.
During' the month
of January, 1881,
the Ne-w-York Liife
Insurance Compa-
ny paid 44 death-
claims on the lives
of 40 persons.
The whole amount
paid was $118,-
142.00, an average
of over $2900 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$58,246.32, an
averag-e of less
than $1500 to
each family. The
g'ain to the families
of the deceased
was, therefore,
$59,895. 68, an
a V e r a g' e of over
$1400 each. For
each $100 paid to
the Company, they
received $202.83.
Calendar for
Boston, new England
N.Y. State, Michigan,
Wisconsin, Iowa
AND Oregon.
Sun
Rises
H. M.
7 30
7 30
7 30
7 30
7 30
7 29
7 29
7 29
7 29
7 29
7 29
Sun Moon H. W
Sets. Sets. Boston
7
28
7
28
7
28
7
27
7
27
7
26
7
26
7
25
7
24
7
24
7 23
7
22
7
22
7
21
7
20
7
ig
7
lb
7
17
7
16
l7
15
H.M.
4 38
4 39
4 40
4 41
4 42
4 43
4 44
4 45
4 46
4 47
4 48
4 50
4 51
H. M.
H. M.
4 55
9 b
5 50
9 59
t>39
1049
rises
II 32
6 14
ev.io
7 13
50
811
I 28
9 8
2 7
10 6
243
" 5
321
morn
4 2
5
451
I 7
5 45
2 II
644
3 lb
750
4 20
8 56
5 20
9 56
6 14
1054
sets
11 45
6 42
morn
75a
35
9 13
I 23
ID 26
2 10
II 36
2 57
moru
346
44
441
148
542
2 49
643
3 4^
7 45
4 36
845
5 22
938
Calendar for
N. Y. City, Philadelph.
Connecticut, New
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
h. m.
7 25
7 25
7 25
7 25
7 25
7 25
7 25
7 24
7 24
7 24
7 24
7 23
7 23
7 23
7 22
7 22
7 21
7 21
7 21
7 20
7 19
7 18
7
7
7
7
7
7
H.M.
4 43
4 44
4 45
4 46
4 47
4 48
4 49
4 50
4 51
4 52
4 53
4 54
4 55
4 56
4 57
4 59
5 o
5 I
5 2
5 3
5 4
5 5
5 7
5 8
5 9
5 10
5 II
5 13
5 14
5 15
5 16
H. M.
4 51
5 45
6 35
rises
6 17
7 16
813
9 9
10 5
11 3
morn
3
1 4
2 7
3 II
4 15
5 15
6 10
sets
644
7 59
9 13
10 25
11 33
morn
41
144
2 45
3 31
4 31
5 17
H. M.
5 51
645
7 37
8 14
856
9 36
10 13
10 48
11 25
ev. 6
49
138
2 31
3 30
4 35
5 41
6 42
7 36
8 28
921
10 9
10 52
11 41
morn
32
1 28
2 27
3 29
4 31
5 30
6 24
Calendar for
Washington, Mary-
land, VIRGINIA,
Kentucky, Missouri
and California.
Sun
S
iin
Mooii
Rises
Sets
H.M.
Sets.
H. M.
H. M.
7 19
4 49
4 45
7 19
4
50
540
7 '9
4
51
6 29
7 19
4
52
rises
7 19
4
52
6 21
7 19
4
53
718
7 19
4
54
8 14
7 19
4
55
9 10
7 19
4
5b
10 5
7 19
4
57
II 2
7 19
4
58
12 0
7 18
4
59
morn
718
5
0
I I
7 18
5
I
2 4
7 18
5
2
3 b
7 17
5
3
4 10
7 17
5
S
5 10
7 16
5
6
b 5
7 16
5
7
sets
7 15
5
8
b47
7 15
5
9
8 0
7 14
5
10
9 13
7 14
S
II
ID 23
7 13
5
12
II 31
7 12
S
13
morn
7 12
5
IS
37
7 II
5
16
I 40
7 10
5
17
2 40
7 9
S
18
3.3b
7 8
5
19
4 26
7 8
5
20
5 12
H. M.
10 II
morn
40
1 26
2 10
2 52
3 33
4 14
4 56
540
626
7 16
8 10
9 8
10 8
n 9
ev. 9
1 7
2 3
2 57
3 49
4 40
5 32
6 23
7 15
8 7
858
9 49
1037
Moon's phases.
Full Moon,
4
6
14
Morning.
Last Quarter,
12
II
3
Morning.
New Moon,
19
II
51
Morning.
First Quarter,
26
3
I
Morning.
New-York.
H. M.
6 2 Morning.
10 51 Moining.
11 39 Morning.
2 49 Morning.
Washington.
H. M.
5 50 Morning.
10 39 Morning.
11 27 Morning.
2 37 Morning.
Charleston.
H. M.
5 38 Morning.
ID 27 Morning.
II 15 Morning.
2 25 Morning.
H. M. S.
7 31
10 28
THE NE^A^-YORK ALMANAC.
A Winter's Morning.
6 THE NEW-YORK ALMANAC.
'T^EN THOUSAND DOLLARS is a goodly sum
JL for most men to earn and save. The ma-
One can spare each year a small percentage of
ten thousand dollars, and when he dies— whether
jority of men leave less than that behind them
it be soon or late — the life company will pay his
when they die. To the families of some, such
family the whole sum.
an amount would make all the difference there
is between independence and want. How can
'T^HE truth cannot be burned, beheaded, or :
J. crucified. A lie on the throne is a lie still.
one get so much ahead ? The expenses of a fam-
ily are heavy^ if children are brought up to be
and truth in a dungeon is truth still ; and the lie
anything more than hewers of wood and drawers
on the throne is on the way to defeat, and the
of water. It would take most of us the better
truth in the dungeon is on the way to victory.
part of a life-time to save ten thousand dollars
No accidents of position can change the essential
from our earnings. But we may not live so
nature of things, or the eternal laws which deter-
long; and (f we die before zve have time to earn
mine their destinies. — IVm. McKinley.
and save much, our families will need all the more.
There's the rub. The earlier in life a ?nan dies the
\ MEDICAL student says that he has never
x\. been able to discover the bone of conten-
less he is likely to leave to his family, and the more
they need. There is but one way of making this
tion, and desires to know if it is not near the
matter safe and sure — that is, by life insurance.
jaw-bone.
Seco,ui Month. F E B R U A R Y, 1882. Twemy-eight Days.
X
2
^ 1 LIFE INSURANCE | CALENDAR FOR
Calendar for
Calendar for
i.
<
W PHENOMENA BOSTON, NEW ENGLAND
N. Y. CITY, PHILADELPH.
Washington, Mary-
0
W FOR THE MOST HEALTH- 1 N.Y. STATE.MICHIGAN,
Connecticut, New
land, Virginia,
>
s
^ ; FUL PORTIONS OF ! WlicONS IN IOWA
Jersey, Pennsylvania,
Kentuckv, Missouri
o
11.
0
J. :l THE UNITED STATES. ^^p OREGON.
0 ,|iHE DOMINION OF Canada, a.i>u witc^.u. .
Ohio, Indiana and
Illinois.
AND CALIFORNIA.
>
>•
<:
%
Ireland, ,, gun
Sun
VIoon
H. VV'.
Sun
Sun
Moon
H. W.
Sun
Sun
Moon
Moon
Q
Q
Q
France and Belgh;m. Rises
Sets.
H.M.
Sets.
H. M.
Boston
Rises
H. M.
Sets.
H.M..
Sets.
H. M.
N.Y.
Rises
H. M.
Sets
H.M.
Sets.
H. M.
South.
Early in February,
H. M.
H. M.
H.M.
H. M.
18 8 1, the New-
32
I
Wed
York Life Insur-
7 14
5 14
5 59
1025
7 "
5 18
5 55
711
7 7
5 21
551
II 23
33
z
Thur
ance Co. issued its 7 13
5 15
rises
II 6
7 10
5 19
rises
7 49
7 6
5 23
rises
mom
34
3
Fri
thirty-sixth annual 7 12
516
6 3
1145
7 9
5 20
6 5
8 27
7 5
5 24
6 7
7
35
4
Sat
report, which 711
5 18
7 I
ev 20
7 7
5 21
7 2
9 6
7 4
5 25
7 3
so
36
5
s
showed the pre- 1 7 10
5 19
8 0
56
7 6
5 22
8 0
942
7 3
5 26
8 0
I 32
37
6
Mon
vious year to have i 7 9
5 21
857
I 31
7 5
5 23
856
10 16
7 2
5 27
855
2 13
38
7
Tues
been one of marked 17 8
5 22
955
2 7
7 4
5 25
9 53
1049
7 I
5 28
9 5^
2 54
39
8
Wed
prosperity. The in- 7 6
5 23
1057
247
7 3
5 26
1054
II 29
7 0
5 29
10 51
3 37
40
9
Thur '
come of the Com- 7 5
5 24
II 57
329
7 2
5 27
II 54
ev 14
6 59
5 30
II 50
4 22
41
10
Fri
pany amounted to 7 4
5 25
morn
4 17
7 I
5 28
mom
I 4
6 58
5 32
mom
5 9
42
II
Sat
nearly $9,000,000, 7 2
5 26
I I
5 13
7 0
5 30
57
I 59
657
5 33
52
6 0
43
12
S
and exceeded the
7 I
5 28
2 I
6i8
6 58
5 31
I 57
3 3
655
S 34
I 52
653
44
13
Mon '
expenditures by
7 0
5 29
3 2
725
657
5 32
2 57
4 10
654
5 35
252
7 50
45
14
Tues
over three millions
6 S9
5 30
358
834
6 56
5 34
3 54
5 19
653
5 36
3 49
849
46
15
Wed
—the larg-est excess
6 57
5 32
4 49
938
655
5 35
4 45
6 24
6 52
5 38
4 40
9 49
47
le
Thur
of any life company
6 56
5 33
5 32
10 24
653
5 36
528
719
6 51
5 39
5 25
1047
48
17
Fri
in the world. There
654
5 35
6 II
II 25
652
5 37
6 9
8 8
6 49
5 40
6 7
II 45
49
18
Sat
w^as a large in-
653
5 36
sets
mom
6 51
5 39
sets
856
6 48
5 41
sets
ev 40
50
'9
.s
crease in premiums.
G 52
5 38
8 I
15
6 49
5 40
8 0
9 45
6 47
5 42
8 0
I 35
51
20
Mon
interest, assets,
6 50
5 39
9 15
59
6 48
5 41
913
10 29
6 46
5 44
9 II
2 29
52
21
Tues
surplus, insurance
6 48
5 40
10 26
I 45
6 46
5 43
1023
II i5
6 44
5 45
10 20
3 22
53
22
Wed
written and in force.
6 47
5 42
11 35
2 33
6 45
5 44
II 31
morn
6 43
5 46
II 27
4 16
54
23
Thur
while payments to
1645
5 43
mom
323
644
5 45
morn
8
642
5 47
morn
5 9
55
24
Fri
policy-holders
6 44
5 45
40
4 17
642
546
35
I 4
6 40
5 48
30
6 2
56
25
Sat
amounted to nearly ' 6 42
546
I 39
5 13
6 41
548
I 35
2 I
6 38
5 49
I 29
655
57
26
«.
$4,500,000. The 6 41
5 47
233
6 20
6 39
5 49
2 28
3 6
637
5 51
2 23
7 45
58
27
Mon
interest receipts 6 39
5 49
3 19
7 20
6 38
5 50
3 13
4 5
6 36
5 52
3 9
834
59
28
Tues
exceeded the death- 6 38
claims by $586,167.
5 50
3 59
817
6 37
5 51
3 55
5 I
6 34
5 53
3 51
9 21
Moon's phases.
BOSTON.
New-York.
Washington.
CHARLESTON.
SUN AT 1 1
noon mark. I 1
D.
H. M.
H. M.
H. M.
H. M.
D.
H. M. S.
Full Moon,
3
I 14 Morning.
I 2 Morning.
0 50 Morning.
0 38 Morning.
I
12 13 53
Last Quarter,
II
3 50 Morning.
3 38 Morning.
3 26 Morning.
3 14 Morning.
9
12 14 27
New Moon,
17
10 6 Evening.
9 54 Evening.
9 42 Evening, j 9 30 Evening.
17
12 14 12
First Quarter,
24
4 47 Evening.
4 35 Evening.
4 23 Evening. | 4 ii Evening.
25
12 13 13
1
THE NEW-YORK ALMANAC.
What Shall I Say?"
THE NEW-YORK ALMANAC.
ENDOWMENT insurance anticipates the time
when the insured will have greater need of
money while he lives than those who have been
dependent upon him will when he dies. In a word,
it accommodates its benefits to the changed
circumstances which time brings to all who live
many years after insuring. It is a shield which
protects children while they grow to manhood
and womanhood, and under which old age may
finally repose in peace. The proceeds of an
Endowment Policy are likely to be needed, either
as insurance, in case of the early death of the
insured, or as an endowment in case his life is
prolonged, and the benefit takes the form in
which time shows it to be most needed. If a
man dies young, his family receives it ; if he
lives to the close of the endowment period, he
receives it himself.
0 STRANGE, sweet season of upheaving birth,
O oft-returning miracle of grace,
To whose pure sources once again we trace
Love's tides, that yearning beat the strong, self-
centered earth !
No weight of ages on her swelling breast
Can dull the keen delight of opening Spring."
PUT heart in your work, whatever it is. If it
be the lowliest, simplest little task, it will
be ennobled by your doing it well and cheer-
fully, and taking real pleasure in it.
"T wonder," said a young lady, "why Hy-
X men is always represented as carrying a
torch," to which her bachelor uncle responded,
" To indicate that he always makes it warm for
people who marry.
Third Month.
MARCH, 1882.
Thirty-one Days.
X
h
2
0
u
w
>•
s
^
u.
u.
b
0
0
0
>
>
>-
<
<
<
0
D
Q
6o
I
Wed
6i
2
Thur
fi2
3
Frl
6,
4
Sat
64
S
;ab
6s
6
Mon
66
7
Tues
67
8
Wed
68
9
Thur
6q
10
Fri
70
II
Sat
71
12
;*
72
i^
Mon
73
14
Tues
74
15
Wed
75
16
Thur
76
17
Fri
77
18
Sat
7a
iq
;*
79
20
Mon
80
21
Tues
81
22
Wed
82
2-3,
I'hur
8^
24
Fri
84
2S
Sat
»,S
26
A
86
2?
Mon
87
28
Tues
88
2Q
Wed
89
30
Thur
90
31
Fri
Life insurance
Phenomena
for the most health-
ful portions of
the united states,
the dominion oi'' canada,
Grf.at Britain and
Ireland,
France and brlcium.
President Garfield
■was inaug^urated
March 4, 1881 ; on
the following- day
the "Army and
Navy Journal"
said: There is only
one way to live up
to one's income and
yet not neg-lect the
duty of makingr
provision for the
future. That w^ay
is to utilize life
insurance. In the
New- York Life In-
surance Company,
at least forty-eigrht
thousand persons
have made such
provision for their
future, trusting the
Company -with a
faith -which time
has amply justified.
Calendar for
Boston, New England
N.Y. State, Michigan,
Wisconsin, Iowa
and Oregon.
H. M.
6 36
6 35
6 33
6 31
6 30
6 28
6 26
6 25
6 23
6 21
6 20
6 18
6 16
6 14
6 13
6 II
6 9
6 7
6 6
6 4
6 2
6 o
5 59
5 57
5 55
5 S3
5 52
5 50
5 48
S 46
i 5 44
H.M-
s 51
5 52
5 53
5 54
5 55
5 56
5 57
5 58
5 59
6 o
6 2
6 3
6 4
5
6
6 7
6 9
6 10
6 II
6 12
6 13
6 14
6 15
6 17
6 18
6 19
6 20
6 21
6 22
6 23
6 24
4 35
5 S
5 33
rises
651
7 49
849
9 50
10 52
11 52
morn
52
1 47
2 37
3 22
4 3
4 39
5 12
sets
8 I
9 13
10 22
11 26
morn
23
1 13
156
2 34
3 7
3 34
4 2
H. M.
9 9
9 55
10 36
11 14
2 20
3 3
3 53
452
556
7 6
8 14
915
II 48
morn
34
1 21
2 10
3 o
352
4 50
548
645
741
831
9 17
Calendar for
N. Y. City, Phii.adelph.
Connecticut, new
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Sun
Rises Sets. Sets. N.-Y.
H. M.
635
6 34
6 32
6 30
6 29
6 27
6 25
6 24
6 22
6 20
6 19
6 14
6 12
6 II
6 9
6 7
6 6
6 4
6 2
6 I
5 59
5 58
5 56
5 54
5 52
5 51
5 49
5 47
5 45
H.M-
5 53
5
5
5
5
5
5
5
6
6 I
6 2
6 3
6 4
6 5
6 6
6 8
6 9
6 10
6 II
6 12
6 13
6 14
6 15
6 16
6 17
6 18
6 19
6 20
6 21
6 22
6 23
Moon
Sets.
H. M.
431
5 3
531
rises
6 50
7 47
847
9 47
10 48
II 48
morn
48
I 42
2 33
3 19
4 0
438
■; 12
sets
7 59
9 10
10 18
II 21
morn
19
I 9
I 52
2 30
3 4
3 33
■1 I
5 54
6 41
7 21
7 56
831
9 9
946
10 23
ev 39
1 39
2 42
351
458
6 I
657
7 45
831
9 21
10 7
1052
11 44
morn
38
1 37
2 34
331
4 26
516
6 ^
Calendar for
Washington, Mary-
land, Virginia,
KENTUCKY, Missouri
and California.
H. M.
6 33
6 32
6 30
6 29
6 27
6 26
6 24
6 23
6 21
6 20
6 18
6 17
6 15
6 13
6 12
6 JO
6 9
6 7
6
6
6
5
5
5
5
5
5
5
5 48
5 47
Sun
Moon
Sets
H.M.
Sets.
H. M.
5 54
4 28
5 55
5 0
5 56
5 30
5 57
rises
5 57
6 50
558
746
5 59
844
6 0
9 43
6 I
1044
6 2
1143
6 3
morn
6 4
42
6 S
I 37
6 6
2 28
6 7
3 15
6 8
3 57
6 9
43b
6 10
5 II
6 II
sets
6 12
7S6
6 13
9 6
6 14
10 14
6 15
II 16
6 16
morn
617
J3
6 18
I 4
6 19
147
6 19
2 27
6 20
3 I
6 21
3 31
6 22
3 59
H. M.
10 6
1049
11 31
morn
12
54
I 36
3 20
3 7
3 56
4 47
541
637
7 34
831
927
1023
II 17
ev 12
2 57
3 52
446
5 39
6 29
7 17
8 3
846
929
10 ID
MOON'S Phases.
Full Moon,
Last Quarter,
New Moon,
First Quarter,
BOSTON.
H. M.
7 56 Evening
4,44 Evening
7 34 Morning
8 49 Morning
New-Vork.
H. M.
7 44 Evening
4 32 Evening
7 22 Morning
8 37 Morning
Washington.
7 32 Evening.
4 20 Evening.
7 10 Morning.
8 25 Morning.
Charleston.
H. M.
7 20 Evening.
4 18 Evening.
6 58 Morning.
8 13 Morning.
H. M. s.
12 12 28
12 10 37
12 8 23
12 5 59
THE NEW-YORK ALMANAC.
10
THE NEW-YORK ALMANAC,
EVERY one ought to save up money at some
time of life. Ordinarily a man ought to
save in his early manhood. It is a shame for a
young, man to spend his whole income upon
himself. He may have others dependent on
him, so that he is thereby prevented from saving
money, and in such cases all honor to him if he
acknowledges the claim of their weakness upon
his strength. It will teach him the value of
money, and keep him from wasting it upon
things that bring no real and permanent good.
Do you think the amount you can invest is too
small to amount to anything ? Consider life and
endowment insurance. For young men the rates
are low, and a policy is a good investment. The
five or ten dollars per month, that seems so small
a sum to put at interest, will pay premiums on
a policy for a small fortune, payable to you in
cash fifteen or twenty years from now. Of
course, it's of no use to talk to you at present
about what you will need when you get married,
but you will probably acknowledge that $2000,
payable to yourself at age thirtj'-five or forty,
would be worth thinking of. Think of it at
once, and secure it by an endowment policy in
the New-York Life.
THE true wealth of a community lies in the
integrity of its citizens, and its chief honor
arises from the possession of great and true men.
A GOOD-NATURED traveler fell asleep in a
train and was carried beyond his destination.
"Pretty good joke, isn't it?" said a fellow-
passenger. "Yes, but carried a little too far,"
was the rejoinder.
Fourth Month.
APRIL, 1882.
Thirty Days.
100
lOI
102
103
104
105
106
107
108
109
no
III
112
113
114
115
116
117
K
'J.
w
0
w
S
^
fc
II.
0
0
>■
>
•ii
•t.
Q
G
Sat
2
a
3
Mon
4
Tues
5
Wed
fi
Thur
7
Fri
8
Sat
9
a
10
Mon
11
Tues
12
Wed
13
Thur
14
Fri
15
Sat
16
S
17
Mon
18
Tues
19
Wed
20
Thur
21
Fri
22
Sat
23
S^
24
Mon
25
Tues
26
Wed
27
Thur
28
Fri
29
Sat 1
30
a
Life Insurance
Phenomena
for the most health-
fui. portions of
the united states,
the dominion of canada,
great britain and
IRELAND,
FRANCE AND BELGIUM.
During- the month
of April, 1881,
the Nevr-York Life
InsTirance Compa-
ny paid 53 death-
claims on the lives
of 4 5 persons.
The -wrhole amount
paid was $185,-
402.00, an average
of over $4100 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$71,306.76, an
average of less
than $1600 to
each family. The
gain to the families
of the deceased
■was, therefore,
$114,095.24, an
average of over
$2500 each. For
each $100 paid to
the Company, they
received $260.00.
CALENDAR FOR
BOSTON, New England
N.Y. State, Michigan,
Wisconsin, Iowa
AND Oregon.
Sun Sun Moon H. W.
Rises Sets. Sets. Boston
H. M.
5 43
5 41
5 40
5 38
6 25
6 27
6 28
6 29
6 30
631
6 32
6 33
6 34
6 36
6 37
. - 6 38
5 23 ! 6 39
6 40
6 41
6 42
6 43
6 45
S 13 1 6 46
5 t2j6 47
5 10 1 6 48
9|6 49
7 6 50
6 6 51
4 6 52
3;6 53
1,6 55
06 56
4 58 6 57
4 57 ! 6 58
H. M.
L 28
•S3
4
4
rises
742
846
9 47
1045
II 42
morn
33
1 19
158
2 33
3 9
341
4 14
456
sets
9 6
10 9
11 3
II SI
mom
31
I 6
1 36
2 4
2 30
2 53
3 21
958
1039
II 17
II 54
ev32
113
I 59
247
338
4 37
5 41
64s
751
851
946
1037
II 30
morn
I 49
238
3 27
4 18
5 10
6 4
657
7 46
833
9 18
CALENDAR FOR
N. Y. City, philadelph.
Connecticut, new
Jersey, Pennsylvania,
Ohio, Indiana and
Illinois.
Sun Sun
Rises Sets.
H.M.
6 24
6 26
6 27
6 28
5 44
S 42
S 41
S 39
S 37 6 29
5 36 6 30
S 34 6 31
S 33
5 31
5 33
5 28
i 5 26
5 25
5 24
5 22
5 20
S 19
5 17
5 16
S 14
S 13
5 II
5
5
32
6 33
6 34
6 35
6 36
6 37
6 38
6 39
6 40
6 41
6 42
6 43
6 44
6 45
6 46
6 47
8 6 48
. 6 49
6 6 50
4 6 51
3 6 52
6 S3
655
Moon
Sets.
H. M.
427
4 54
rises
7 39
842
942
10 41
II 37
mom
29
I 15
I 55
2 31
3 8
341
4 15
4.58
sets
9 2
10 4
1059
II 46
mom
27
I 2
I 34
2 2
2 29
2 54
323
644
724
7 59
837
9 19
10 o
10 41
n 29
ev 24
1 24
2 27
3 31
4 36
5 36
6 32
7 22
813
856
9 47
1033
11 20
mom
12
1 5
156
2 50
342
4 30
518
6 04
Calendar for
Washington, Mary-
land, Virginia,
Kentucky, Missouri
and California.
5 46
5 44
5 42
5 41
5 39
5 37
5 36
S 34
S 33
5 31
5 30
5 28
5 27
5 25
5 24
5 23
5 21
5 20
5 18
5 17
5 16
5 14
5 13
5 II
5 10
S 9
5 8
5 6
5 5
5 4
Sun
Moon
Sets
Sets.
H.M.
H. M.
6 23
427
6 24
4 55
6 25
rises
6 26
736
6 27
838
b 28
938
6 29
10 36
6 30
II 32
b 31
morn
6 32
24
t'33
I II
0 34
I 52
b 35
2 29
6 36
3 7
b 37
341
6 38
4 17
b 39
5 I
6 40
sets
6 41
857
6 42
9 59
6 42
10 54
t> 43
n 41
b 44
morn
6 45
23
6 46
59
6 47
I 31
6 48
2 I
b 49
2 29
6 50
254
b 51
324
10 52
11 34
morn
18
I 4
I 53
244
3 37
4 32
528
6 23
7 17
8 II
9 4
9 57
10 50
11 50
ev4o
1 37
2 33
328
4 20
5 10
5 57
6 42
7 25
8 7
848
930
10 14
Moon's Phases.
Full Moon,
Last Quarter,
New Moon,
First Quarter,
Boston.
I 3 Evening.
1 46 Morning.
4 54 Evening.
2 12 Morning.
New-York.
0 51 Evening.
1 34 Morning.
4 42 Evening.
2 o Morning.
Washington.
Charleston.
0 39 Evening.
1 22 Morning.
4 30 Evening.
I 48 Morning.
0 27 Evening.
1 10 Moming.
4 18 Evening.
I 36 Morning.
H. M. s.
12 3 50
12 I 30
II 59 27
II 57 50
THE NEVST-YORK ALMANAC.
11
MiLKING-TlME.
12 THE NEW-YORK ALMANAC.
"/^F all the methods that have been devised
Tn>VERY failure is a step to success ; every
12/ detection of what is false directs toward
\y by man for providing against the ordinary
contingencies of life, there is none which, for
what is true ; every trial exhausts some tempting
immediate efficacy, can be compared with Life
■ form of error. Not only so, but scarcely any
Insurance. The saving of actual money or its
attempt is entirely a failure ; scarcely any theory,
equivalent is always wise, and in many cases
the result of steady thought, is altogether false ;
one of the first duties ; but, in the vast majority
no tempting form of error is without some latent
of instances, saving is a very slow process, and
charm derived from truth. — Whewell.
in the meantime there is no guarantee that time
will be allowed for its accomplishment. T/ie
A PROMISE is a just debt, which you must
£\ take care to pay, for honor and honesty
great advantage of Life Insurance is that it
furnishes the needed provision from the very
are the security.
beginning." — The Christian at Work.
" f~\^, dear! " exclaimed Edith to her doll, " I
T^ALSE friends are like our shadow— keeping
Jl close to us while we walk in the sunshine,
V^ do wish you would sit still. I never saw
such an uneasy thing in all my life. Why don't
but leaving us the instant we cross into the
you act like grown folks and be still and stupid
shade.
; for a while ? "
Fifth Month. ]yj^ j^'y 1 S S 2 . Thirty-one Days.
s
h
z
'2
r^iFH. Insurance
Calendar for
Calendar for
Calendar for
<
a
1x1
Phenomena
Boston, new England
N. Y. City, philadelph.
Washington, Mary-
0
W
FOR THE MOST HEAI,TH-
N. Y. Statf:, Michigan,
Connecticut, New
land, Virginia,
u.
tt.
HUU PORTIONS OI'
THE UNITED STATES,
Wisconsin, iowa
AND Oregon.
Jersey, Pennsylvania.
Ohio, Indiana and
KENTUCKY, Missouri
and California.
o
0
0
the dominion ok canada,
Great Britain and
Illinois.
<
<
>
<
Ireland,
Sun
Sun
Moon
H. w.
Sun
Sun
Moon
H. W.
Sun
Sun
Moon
Moon
Q
a
Q
France and Belgium.
Rises
Sets.
H.M.
Sets.
Boston
Rises
H. M.
Sets.
H-M.
Sets.
N. Y.
Rises
Sets.
H.M.
Sets.
South.
H. M.
H. M.
H. M.
H. M.
H. M.
h. M.
H. M.
H. M.
121
I
Mon
During the montli
4 56
7 0
3 49
10 2
4 59
6 56
351
648
5 2
6 52
3 54
10 59
122
2
Tues
of May, 1881,
4 54
7 I
4 18
10 46
4 58
657
421
7 30
5 I
6 53
424
II 48
123
3
Wed
the New- York liife
4 53
7 2
rises
II 28
4 56
658
rises
8 11
5 0
654
rises
morn
124
4
Thur
Insurance Compa-
4 52
7 3
839
ev. 9
4 55
6 59
834
9 5
4 59
655
8 29
39
125
5
Fri
j ny paid 54 death-
4 51
7 4
9 37
56
4 54
7 0
932
942
4 58
e 56
9 '^7
I 32
126
6
Sat
claims on the lives
4 49
7 5
10 30
I 43
4 53
7 I
10 25
10 27
4 57
657
10 20
2 27
127
7
,*
of 49 persons.
4 48
7 6
II 16
233
4 52
7 2
II 12
II 16
4 55
6 58
II 08
323
128
8
Mon
The -whole amount
4 47
7 7
II 59
326
4 51
7 3
II 56
ev 11
4 51
6 59
II 52
4 19
129
9
Tues
paid was $193,-
4 46
7 8
mom
4 21
4 49
7 4
morn
I 8
4 53
7 0
morn
5 13
130
Wed
865.00, an averag-e
4 44
7 9
36
5 19
4 48
7 5
33
2 7
4 52
7 I
31
6 6
=31
II
Thur
of over $3900 to
4 43
7 10
I 9
6 23
4 47
7 6
I 8
3 9
4 51
7 2
I 6
658
132
12
Fri
each family. The
4 42
7 II
2 I
PJ
4 46
7 7
2 I
4 9
4 SO
7 2
2 0
7 49
133
13
Sat
premiums paid on
4 41
7 12
2 13
8 26
4 45
7 8
2 14
5 II
4 49
7 3
2 15
841
134
14
s
these policies, less
4 40
7 13
246
9 21
4 44
7 9
248
6 7
4 49
7 4
2 50
9 33
135
15
Mon
the dividends re-
4 39
7 14
3 23
10 15
4 43
7 10
3 26
7 I
4 48
7 3
329
10 27
136
16
Tues
turned by the Com-
4 38
7 15
4 3
II 7
4 42
7 II
4 7
750
4 47
7 6
4 II
II 22
137
17
Wed
pany, amounted to
4 37
7 16
sets
II 54
4 41
7 12
sets
837
4 46
7 7
sets
evi8
138
18
Thur
$67,228.54, an
4 36
7 17
850
morn
4 40
7 13
8 45
9 26
4 45
7 8
8 40
I 14
139
19
Fri
averag-e of less
4 35
7 18
9 41
40
4 39
7 14
936
10 II
4 44
7 9
931
2 8
140
20
Sat
than $1400 to
4 34
7 19
10 25
I 26
4 39
7 15
10 21
1055
4 43
7 10
10 17
3 0
141
21
S
each family. The
4 33
7 20
1058
2 13
4 38
7 .6
1055
II 41
4 43
7 10
10 51
3 49
142
22
Mon
gain to the families
4 32
7 21
II 35
2 57
4 37
7 17
II 33
morn
4 42
7 II
II 30
4 36
143
23
Tues
of the deceased
4 31
7 22
morn
342
4 36
7 18
morn
28
4 41
7 12
morn
5 20
144
24
Wed
-was. therefore.
$126,641.46, an
4 31
7 23
4
4 28
4 36
7 19
2
I 15
4 41
7 13
I
6 2
145
25
Thur
4 30
7 24
31
5 IS
4 35
7 20
30
2 I
4 40
7 14
29
644
146
26
Fri
average of over
4 29
7 25
57
6 6
4 34
7 20
57
2 52
4 39
7 14
57
725
147
27
Sat
1 $2500 each. For
4 29
7 26
I 22
6 57
4 34
7 21
123
342
4 39
7 15
I 24
8 8
148
28
s
each $100 paid to
4 28
7 27
148
748
4 33
7 22
I 50
4 33
4 38
7 16
I 52
852
149
29
Mon
i the Company, they
4 27
728
2 19
838
4 32
7 23
2 21
523
438
7 17
2 24
9 39
150
30
Tues
received $288.41.
4 27
728
251
9 28
4 32
7 23
254
6 14
4 37
7 17
2 53
10 29
151
31
Wed
1
4 26
7 29
329
10 17
4 31
7 =4
3 33
7 3
4 37
7 18
338
II 23
Moon's Phases.
Boston.
New-York.
Washington.
CHARLESTON.
SUN AT 1 1
noon MARK. 1 1
D.
H. M.
H. M.
H. M.
H. M.
D.
H. M. S.
Full Moon,
■ 3
3 47 Morning.
3 35 Morning.
3 23 Morning.
3 II Morning.
I
II 56 56
Last Quarter,
10
7 51 Morning.
7 39 Morning.
7 27 Morning.
7 15 Morning.
9
II 56 14
New Moon,
17
2 40 Morning.
2 37 Morning.
2 25 Morning.
2 13 Morning.
17
11 56 10
First Quarter,
24
7 57 Evening.
7 45 Evenin?.
7 33 Evening.
7 21 Evening.
25
II 56 42
1
I
THE NEW-YORK ALMANAC.
13
-i' -^ '
^'
t? * ' *
^ .'
v.,
' ' , -^ J' 1 Lmi/
"'4?'!
A Hungry Family.
14 THE NEW-YORK ALMANAC.
TT is not good to be angry even with those who
JL may seem with malicious intent to assail our
accidents which come suddenly and without
warning ; and the uncertainty of riches is pro-
most cherished beliefs. A few burning weeds
verbial. Who has not seen the strong man
may produce smoke enough to hide the stars,
cut down in his strength, and fortunes vanish
but the stars are shining all the same. It is not
in a day? What has been shall be again, to
wise to vex and weary ourselves by angry denun-
the end of time.
ciations of the smoke, which will soon pass off
without our labor.
"ly /TANY a sweetly formed mouth has been
iVA disfigured and made hideous by the fiery
tongue within it.
TT THETHER we view life insurance as a pro-
VV tection for the family or for the estate, it is
"y^H, dear! " exclaimed a young lady enter-
a thing that, once entered upon, in most cases
\y ing a public hall the other evening, "what
ought to be continued to the end first contem-
a dreadful odor of carbureted hydrogen ! "
plated. The interests it protects are so precious.
" Mum ? " said the janitor, with a puzzled coun-
and the {act that /iresen^ a/>pearances and prospects
tenance. " The smell of the carbureted hydro-
are always liable to deceive, make continuous
gen," she explained. " That's no kind o' gin.
insurance the only safe course. Men who die
mum," replied the janitor ; "that's garss ; the
in the prime of life usually die of diseases or
pipes are leakin', mum."
Sixth Month. JUN"E, 1882. '^'"'-^y ^'^y-
X
h
^
LIFE INSURANCE - CALENDAR FOR | i . CALENDAR FOR
Calendar for
<
H
Phenomena
Boston, new EnglandI
N. Y. CITY, FHILADELPH.
Washington, Mary-
0
HI
FOR THE MOST HEALTH- 1
N. Y. State, Michigan,
Connecticui, New
land, Virginia,
>
S
&
FUL PORTIONS OI" !
Wisconsin, Iowa ]
Jersey, Pennsylvania,
KENTUCKY, Missouri
0
0
0
THE UNITED STATES, !
IKE DOMINION OF CANADA.
AND Oregon.
Ohio, Indiana and
Illinois.
AND California.
>
<
>
<
<
GREAT BRITAIN AND
IRELAND,
Sun
Sun
Woon
H.W.
Sun
Sun
Moon
H.W.
Sun
Sun
Moon
Moon
Q
a
Q
FRANCE AND BELGIUM.
Rises
Sets.
H.M.
Rises
Boston
Rises
Sets.
H.M.
Rises
N.Y.
Rises
Sets
H.M.
Rises
South.
H. M.
The month of Jiine,
H. M.
H. M.
H. M.
H. M.
h. M.
H.M.
h. M.
H. M.
152
I
Thur
1881, is memorable
4 25
7 30
rises
II 6
4 31
7 24
rises
750
436
7 19
rises
mom
153
2
Fri
on account of its
4 25
7 30
813
II 54
4 30
7 25
8 9
837
436
7 19
8 4
18
154
3
Sat
disastrous storms,
4 25
7 31
9 16
ev 41
4 30
7 26
9 II
9 27
436
7 20
9 7
1 15
155
4
s
involving- destruc-
4 24
7 32
10 0
I 31
4 3°
7 26
956
10 16
4 35
7 21
9 53
2 13
156
5
Mon
tion of property;
4 24
7 32
1039
2 20
4 29
7 27
10 36
II 3
4 35
7 21
1033
3 9
157
6
Tues
the month of June,
4 24
7 33
II II
3 10
4 29
7 28
11 10
II 55
4 35
7 22
II 8
4 3
158
7
Wed
1880, was charac-
4 23
7 33l
II 36
4 I
4 29
7 28
II 36
ev48
4 34
7 23
"37
4 55
159
8
Thur
terized by fiery
4 23
7 34
morn
4 57
4 29
7 29
morn
I 44
4 34
7 23
morn
5 40
160
9
Fri
heat, and repeated
4 23
7 35
16
556
428
7 30
16
242
4 34
7 24
17
637
i6i
10
Sat
disasters on land
4 23
7 36
49
7 0
428
7 30
49
3 45
4 34
7 24
50
7 28
162
II
s
and water, involv-
4 22
7 36
I 21
8 0
428
7 31
I 24
4 45
4 34
7 25
I 27
8 20
163
12
Mon ing- the loss of many
4 22
7 37
I 59
9 I
4 28
7 31
2 2
546
4 34
7 25
2 6
913
164
^3
Tues lives. The loss of
4 22
7 37
242
956
4 28
7 32
2 46
642
4 34
7 20
251
10 8
165
14
Wed
property is un-
4 22
7 38
3 29
10 50
428
7 32
3 34
7 34
4 34
7 26
3 39
II 3
166
15
Thur
pleasant, the loss of
4 22
7 38
421
II 35
428
7 32
4 26
817
4 34
7 26
4 31
II 57
167
16
Fri
friends is painful.
4 22
738
sets
morn
428
7 33
sets
9 6
4 34
7 27
sets
evso
168
17
Sat
the loss of both at
4 22
7 39
9 0
20
428
7 33
856
9 49
4 34
7 27
852
I 41
169
18
s,
the same time is
4 22
7 39
9 35
I 3
428
7 33
932
10 29
4 34
728
9 28
2 29
170
19
Mon
often distressing- in
4 22
7 39
10 6
145
428
7 34
10 4
II 8
4 34
728
10 I
3 14
171
20
Tues
the extreme. It
4 23
7 40
1033
2 25
4 29
7 34
10 32
II 49
4 34
7 28
10 30
3 57
172
21
Wed
should be provided
4 23
7 4°
1059
3 4
4 29
7 34
10 58
morn
4 34
728
1058
4 39
173
22
Thur
against by life in-
4 23
7 40
II 25
3 45
4 29
7 34
II 26
31
4 35
7 28
II 26
521
174
23
Fri
1 surance. Insurance 4 23
7 40
II 49
429
4 29
7 34
II 51
I 16
4 35
7 29
11 52
6 2
175
24
Sat
cannot save life, but 4 23
7 40
morn
5 15
4 29
7 35
mom
2 I
4 35
7 29
morn
64s
176
25
S
it w^ill save what
4 24
7 41
17
6 7
4 30
7 35
19
253
4 35
7 29
22
731
177
26
Mon
remains of the
4 24
7 41
50
7 3
4 3°
7 35
53
348
4 3°
7 29
56
8 19
178
27
Tues
broken home, and
4 24
7 41
I 24
7 59
4 3°
7 35
I 28
4 45
436
7 29
I 32
9 10
179
28
Wed
•will prevent death
4 25
7 40
2 5
858
4 29
7 35
2 10
5 43
4 37
7 29
2 15
10 5
180
29
Thur
from bring-ing- finan-
4 25
7 40
2 56
9 54
4 29
7 35
3 0
6 40
4 37
7 29
3 5
II 2
181
30
Fri
cial ruin upon all.
4 26
7 40
3 54
1049
4 29
7 35
358
7 33
4 37
7 29
4 3
12 0
MOON'S PHASES.
BOSTON.
.\EW-YORK.
Washington.
Charleston.
SUN AT
NOON MARK. |
D.
H. M.
H. M.
H. M.
H. M.
D.
h. m. s.
Full Moon,
I
3 49 Evening.
3 37 Evening.
3 25 Evening.
3 13 Evening.
I
II 57 34
Last Quarter,
8
0 26 Evening.
0 14 Evening.
0 2 Evening.
II 50 Morning.
9
II 58 58
New Moon,
IS
I 49 Evening.
I 37 Evening.
I 25 Evening.
I 13 Evening.
17
12 0 38
First Quarter,
23
I 17 Evening.
I 5 Evening.
0 53 Evening.
0 41 Evening.
25
12 2 22
THE NEW-YORK ALMANAC.
15
In Youth's Bright Morning.
16 THE NEW-YORK ALMANAC.
A s THE man of pleasure, by a vain attempt
T F experience teaches anything concerning the
1 duty of a man who has insured his life, it is
Jr\. to be more happy than any man can be, is
ofte^ more miserable than most men are, so the
keep up your policy. Not only is it true that
skeptic, in a vain attempt to be wise beyond
you might not be able to get another one should
what is permitted to man, plunges into a dark-
you drop the one you have, but continuous
ness more deplorable and a blindness more
insurance is always cheaper and safer than inter-
incurable than that of the common herd, whom he
mittent insurance. You cannot reap the full
despises and would fain instruct. For, the more
benefit of your contract except by completing it.
precious the gift the more pernicious ever will be
The premium rates are graded according to the
the abuse of it, as the most powerful medicines
age at the time of insuring, being lower for
are the most dangerous if misapplied, and no
younger men. Therefore, the man who has a
error is so remediless as that which arises, not
policy and gives it up, expecting to insure again.
from the exclusion of wisdom, but from its
must run two risks and submit to one certain
perversion.
loss, viz. : the risk of dying before applying for
new insurance, and the risk of being rejected
QiLENCE is generally safe, and generally pni-
when he does apply, and the certainty of having
O dent, but there are times when it is dis-
to pay higher premium rates. Better live with
graceful to be silent.
insurance than die without it !
Seventh Month. J "[J Ij Y' 1 S S 2 . Thirty^ne Days.
^
LIFE INSURANCE
Calendar for
CALENDAR FOR
Calendar for
<
M
PHENOMENA
Boston, new England
N. Y. CITY, PHILADELPH.
Washington, Mary-
0
S
FOR THE MOST HEALTH-
N.Y. State, Michigan,
Connecticut, New
land, Virginia,
>•
s
^
FUL PORTIONS OF
Wisconsin, Iowa
JERSEY, Pennsylvania,
KENTUCKY, Missouri
u.
u.
h
THE UNITED STATES,
AND Oregon.
Ohio, Indiana and
and California.
0
0
0
iHE Dominion of Canada,
Illinois.
>
<
>
<
^
Great Britain and
Ireland,
1
Sun
Sun
Moon
H. W.
Sun
Sun
Moon
H. W.
Sun
Sun
Moon
Moon
Q
D
Q
France and Belgium.
Rises
Sets.
H.M.
Rises
Boston
Rises
H. M.
Sets.
H.M.
Rises
N. Y.
Rises
Sets.
H.M
Rises
South.
H. M.
H. M.
H. M.
h. m.
H. M.
h. m.
H. M.
H. M.
182
I
Sat
"Independence
4 26
7 40
rises
II 38
4 32
7 35
rises
8 20
4 38
7 29
rises
morn
183
2
s
Day " comes in July
426
7 40
8 36
ev 26
4 32
7 35
833
9 13
4 38
7 29
8 30
58
184
3
Mon
this year. There is
4 27
7 40
9 14
I 15
4 33
7 34
9 12
10 I
4 39
7 29
9 10
I 55
185
4
Tues
sure to be much
4 28
7 40
948
2 5
4 33
7 34
9 47
1047
4 39
7 28
946
2 50
186
5
Wed
powder burned,
4 29
7 39
10 19
2 51
4 34
7 34
10 19
II 35
4 40
7 28
10 19
3 43
187
6
Thur
and, in all probabil-
4 29
7 39
10 51
340
4 35
7 34
10 S3
ev 26
4 41
728
1054
4 34
188
7
Fri
ity, some lives will
4 3°
7 39
II 34
4 35
4 35
7 33
II 37
I 22
4 41
7 28
II 39
5 26
189
8
Sat
be lost. One does
4 3°
7 38
12 0
5 33
4 36
7 33
mom
2 19
4 42
7 27
morn
617
190
9
S
not need to be a
4 3'
738
morn
537
4 37
7 33
3
3 23
4 42
7 27
7
7 9
191
ID
Mon
prophet to know-
4 32
7 38
40
741
4 37
7 32
45
4 26
4 43
7 27
49
8 3
192
II
Tues
that. Yet, probably
4 33
7 37
I 26
844
4 38
7 32
I 30
5 29
4 44
7 26
I 35
8 57
193
12
Wed
no one goes to a
4 33
7 37
2 15
9 4°
4 39
7 31
2 20
626
4 44
7 26
2 25
9 51
194
13
Thur
celebration w^ith the
4 34
7 36
3 9
10 30
4 39
7 31
3 14
7 15
4 45
7 26
3 19
1043
195
14
Fri
thought that that
4 35
736
4 6
11 17
4 40
7 30
4 II
7 59
4 46
7 25
4 15
II 34
196
15
Sat
day will be his last.
436
7 35
sets
II 58
4 41
7 30
sets
842
4 46
7 24
sets
ev 23
197
16
S
But death comes
4 37
7 34
8 6
morn
4 42
7 29
8 4
921
4 47
7 24
8 I
I 9
198
17
Mon unexpectedly, not
4 37
7 34
83s
35
4 43
7 29
834
10 0
4 48
7 23
832
I 53
199
18
Tues only to those who
438
7 33
9 2
I 13
4 44
7 28
9 I
1036
4 49
7 23
9 I
2 36
200
19
Wed
die from accident
4 39
7 32
9 27
I 52
4 44
7 27
9 27
II II
4 5°
7 22
9 27
3 17
201
20
Thur
but to nearly every
4 4°
7 31
9 54
2 28
4 45
7 26
9 55
II 51
4 51
7 21
9 56
3 59
202
21
Fn
1 one, so that w^hat-
4 4^
7 30
10 20
3 6
4 46
7 26
10 23
morn
4 52
7 21
10 24
4 41
203
22
Sat
ever preparation is
4 42
7 30
10 51
3 47
4 47
7 25
10 54
33
4 52
7 20
10 57
524
204
23
S
1 to be made for it
4 43
7 -^9
II 22
4 33
4 48
7 24
II 25
I 20
4 53
7 19
II 29
6 10
205
24
Mon
must usually be
4 44
728
II 59
5 26
4 48
7 23
morn
2 12
4 54
7 18
morn
659
206
25
Tues
made when it seems
4-45
7 27
morn
6 24
4 49
7 23
3
3 10
4 55
7 18
8
751
207
26
Wed
afar off. If you are
4 46
7 26
44
7 26
4 50
7 22
49
4 12
4 56
7 17
54
846
208
27
Thur
going' to die insured
4 47
7 25
I 37
831
4 51
7 21
141
5 16
4 57
7 16
146
9 43
209
28
Fri
you must insure
4 48
7 24
238
931
4 52
7 20
242
618
4 58
7 15
2 47
10 42
210
29
Sat
while you are in
4 49
7 23
346
10 29
4 53
7 19
350
7 14
4 58
7 14
3 54
II 40
211
3°
Si
good heaLlth. July
4 5°
7 22
rises
II 20
4 54
7 18
rises
8 3
4 59
7 13
rises
morn
212
31
Mon
1st is a good day.
4 51
7 21
7 55
ev 10
4 55
7 17
7 54
855
4 59
7 12
752
37
MOON'S Phases.
BOSTON.
New-York.
Washington.
Charleston.
sun at I 1
NOON mark. 1 1
D.
H. M.
H. M.
H. M.
h. m.
D.
H. M. S.
Full Moon,
I
I 24 Morning.
I 12 Morning.
I 0 Morning.
0 48 Morning.
I
12 3 34
Last Quarter,
7
5 8 Evening.
4 56 Evening.
4 44 Evening.
4 32 Evening.
9
12 4 56
New Moon,
IS
2 17 Morning.
2 5 Morning.
I 53 Morning.
I 41 Morning.
17
12 5 S3
First Quarter,
23
5 33 Morning.
5 21 Morning.
5 9 Morning.
4 57 Morning.
25
12 6 15
Full Moon,
30
9 18 Morning.
9 6 Morning.
8 54 Morning.
8 42 Morning.
31
12 6 7
- \ -X
THE NEW-YORK ALMANAC.
18
THE NEW-YORK ALMANAC,
WE are accustomed to regard it as the ordi-
nary course of nature that a man should
live to the age of threescore years or more, yet
not one-half of those born into the world do so.
Of those who live to the age of ten, not quite
one-half reach the age of sixty-five. Of those
who live to be thirty, at which age we may sup-
pose most have families dependent upon them,
more than one-thirteenth die before they reach forty,
and more than on e-SlXTYi before they reach fifty.
That a man with a dependent family should be
anxious to provide for them against so obvious
a danger is not strange. Life insurance saves
all that can be saved from the ruins of such
broken homes, and prevents the death of one
from blighting the future of all.
Never try to read when it is laborious
memory will not retain it.
the
r
VHE New-Yoric Likk Insurance Com-
pany has long been a prominent exemplar
of what life insurance may be and do when
properly conducted. It has passed unshaken
through two wars and great financial crises, and
is now larger, stronger, and better equipped in
experience and facilities than ever before. Its
assets have more than doubled during the past
eight years. This vigor and vitality shows that
age brings to this Company what it takes from
men. It has grown solidly, from its original
position as one of the pioneers, combining pro-
gressiveness with caution, liberality with justice,
equity with firmness, and the highest reputation
with the corresponding character." — Brooklyn
Union-Argus, February 15, 1881.
JOSH Billings has found one thitig that money
cannot buy, and that is the wag of a dog's
tail. It is an honest expression of opinion on
the part of the dog.
Eighth Month.
AUGUST, 1882.
X
i-
25
>■
s
^,
u.
c
0
^
>
<
<
"
C
213
I [
214
2
215
3 :
216
4 :
217
s 1
218
6
219
7
220
s 1
221
9
222
10
22^1
II
224
12
225
13
226
14
227
IS
228
16
229
17 1
230
18 1
231
19 :
232
20
233
21
234
22
23";
23b
24
237
2S
23a
26
239
27
240
28
241
20
247
30
^43
31
Ln-li iNSl'KANCr
Phenomena
for the most health-
ful poriions of
the united states,
the dominion of canada,
<;keat Britain and
Ireland,
France and nELGitjM.
Tues
Wed 1
Thur
Fri
Sat
;a
Mon
Tues
Wed
Ihur
Fri
Sat ,
S I
Mon
Tues I
Wed I
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fn
Sat :
Mon
Tues
Wed
Thur
Augrast is a bad
month not to be in-
sured in. Long-
continued heat
brings about a con-
dition of the atmos-
phere conducive to
fevers, and diseases
of the bowels. It is
a long: month, too —
longer than it used
to be — and " dog-
days "every one.
JuUus added a day
to it when he re-
formed the calen-
dar, and Augustus
gave it another for
its name, robbing
poor February in
order to do it. Ths
only advantage to
us is that there are
more days in Au-
gust in which we
may insure our
lives. But there are
more in which to
die, also. Therefore
insTU'e, and fear not.
Calendar for
Boston, New Enc;land
N.Y. State, Michigan,
Wisconsin. Iowa
AND Oregon.
CALENDAR lOR
N. Y.CITV, Philadelph
CONNECTIC0I-, NEW
JERSEY, Pennsylvania
Ohio, Indiana and
Illinois.
Thirty-oue Days.
Calendar for
Washington, Mary-
land, Virginia.
Kentucky, Missouri
AND California.
H. M.
5 o
S I
S 2
5 J
S 5
5 6
5 6
S 7
5 8
5 9
5 10
5 "
5 12
5 13
5 15
5 16
5 17
5 17
5 18
7 II
7 10
7 9
7 8
7 7
7 6
7 5
7 4
7 2
7 I
7 o
6 59
6 58
6 s6
6 54
6 53
6 52
651
6 50
6 48
6 47
6 45
6 44
6 43
6 41
6 40
6 38
6 37
6 35
6 34
6 32
h. m.
8 19
855
9 31
10 8
1049
11 34
morn
23
1 15
2 10
3 17
4 4
5 I
sets
7 31
8 o
826
857
9 29
10 5
1047
11 36
morn
30
■ I 33
1 32
2 26
3 20
4 13
5 6
5 59
653
7 47
840
931
10 20
11 6
II 51
ev34
I 15
157
238
3 21
4 5
4 52
5 41
6 34
7 28
82s
922
2 41 1 10 19
3 53 I II 16
651
7 28
8 6
MOON'S Phases.
Last Quarter,
New Moon,
First Quarter,
Full Moon,
Boston.
New-York.
Washington.
Charleston.
H. M.
H. M.
H. M.
H. M.
II 29 Evening.
II 17 Evening.
II 5 Evening.
10 53 Evening.
4 26 Evening.
4 14 Evening.
4 2 Evening.
3 50 Evening.
8 II Evening.
7 59 Evening.
7 47 Evening.
7 35 Evening.
4 35 Evening.
4 23 Evening.
4 11 Evening.
3 59 Evening.
SUN AT
noon mark.
D.
h. m. s.
I
12 6 4
9
T-^ 5 15
17
12 3 50
25
12 I S3
THE NEW-YORK ALMANAC.
19
^^^
THE SlSTER^s BiRTH-DAV. ^^ ,j£2::^
M^^m^ic^i^u
20
THE NEW-YORK ALMANAC,
BE true to yourself for that which you recog-
nize as right ; be ready, not merely to die
for it, for that is easy ; but to live for it, and
that is almost always difficult.
/'T^HIS is the way the Insurance Age puts it :
X " The meanest of all men is he who makes
a pretense of loving a woman ; deprives her of
all other chances in the world by appropriating
her to himself; sees her youth and beauty
expand in his service ; sees her become the
mother of his children, and refuses to secure
her, by life insurance, the prmnsion she might
have saved from the wages of a hired servant I ' '
Pretty strong, isn't it ? — especially the latter part.
But it is only strong in proportion as it is true,
and it will not hurt any one to whom it does not
apply. If any one feels in danger, the New-
York Life will sell him a complete suit of armor
warranted proof against all such gibes and
taunts.
Scene. — The river's bank. Spectator con-
cealed behind tree, watching angler: 'T've
been watching that fellow fishing for the last four
hours, and he hasn't had even a bite in that
period. He inust have the patience of job ! "
LITTLE Pearl sat thoughtfully regarding a long
row of dolls before her, her tiny head har-
assed by all the care of a large and varied family.
"Mamma," she said at last, "I can't ever be
really married ; it is so much trouble to take care
of children. I don't know what I should do if it
weren't that I'm going to marry off my eldest
doll to my toy elephant." — Boston Courier.
Ninth Month.
SEPTEMBER, 1882.
Thirty Days.
a
H
<
u
>"
«=
u.
U.
0
0
>
>.
<
<
p
Z44
1
24S
2
246
3
247
4
248
=i
249
6
2.SO
7
251
8
252
9
253
10
254
II
2,SS
12
256
13
257
14
25S
15
2,sq
lb
260
17
261
18
262
iq
263
20
264
21
2b.;
22
266
23
267
24
268
25
26g
26
270
27
271
28
272
29
273
30
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
l.iFii Insurance
Phenomena
1 OK THE MOST HEALTH- j
FUI. PORTIONS or
iHE unithd States,
I HE Dominion ok Canada,
Great Britain and
Ireland,
France and bhlcil'm.
In September the
^waning■ heat of }
summer and the
advancing' cold of
j winter meet, and,
] for a season, frater-
nize. Nig-ht and
day become of equal
duration. It is a
' grood time to live —
a time of the golden
mean in tempera-
ture and light and
labor and expecta-
tion. Not all w^e
hoped in spring has
, been realized, not
all we feared has
come to pass. So
ilife insurance
equalizes the com-
forts of early and
later days. It takes
a'way money now^
that it may save
from poverty in
days to come. We
have a little less
now that our fami-
lies may have much
more when we die.
Calendar for
Boston, new England^
N.Y. State, Michigan,
Wisconsin, Iowa |
AND Oregon. i
Calendar for f-., undah vck
NY. CITY, PHILADELPH.; j WASHINGTON, MARY-
CONNECTICUT, NEW | LAND VIRGINIA
JERSEY. PENNSYLVANIA. I KENTUCKY, MISSOURI
AND CALIFORNIA.
Sun Sun j Moon H. W. Sun I Sun [Moon H.W.
Rises Sets. I Rises Boston Rises Sets. Rises N.Y.
MOON'S PHASES.
Last Quarter,
New Moon,
First Quarter,
Full Moon,
Boston.
H. M.
8 43 Morning.
3 15 Morning.
8 44 Morning,
o 26 Morning.
Xew-York.
H. M.
8 31 Morning.
8 3 Morning.
8 32 Morning,
o 14 Morning.
WASHINGTON.
H. M. H. M.
8 19 Morning. 8 7 Morning.
CHARLESTON.
7 51 Morning.
8 20 Morning,
o 2 Morning.
7 39 Morning.
8 8 Morning.
11 50 Eve. 26th.
H. M. S.
II 59 48
II 57 9
II 54 22
II 51 34
THE NEW-YORK ALMANAC,
21
Pigeons To-day?'
•>2 THE NEW-YORK ALMANAC.
T"! THAT commends life insurance to thoughtful , TT is a sign of wisdom to be willing to receive
VV men is that it is an additional and needed ; J. instruction ; the most intelligent sometimes
safeguard to that for which they are gladly stand in need of it.
spending the best of their lives. Take away
the wives and children of such men, and what OELF-ease is pain ; thy only rest
is there to hve for? Blight or cloud their future, ^ Is labor for a worthy end.
and what can compensate for it ? Life insurance "^ to'l t^at gains with what it yields,
makes more ceHain the benefits which such men -'^"^ scatters to its own increase.
desire their loved ones to enjoy, and they pay ^ "^"d hears, while sowing outward fields,
for this security cheerfully, just as they pay for '• The harvest song of inward peace.
the present care, sustenance, education, etc., of Whither.
their families. They do not wish to run any risk A droll fellow fished a rich old gentleman
of a lack of these things in time to come. l\ out of a mill-pond, and refused the offer
of twenty-five cents from the rescued miser.
TVTEVER insult another by harsh words when " Oh, that's too much ! " exclaimed he ; " 'taint
IM applied to for a favor. Kind words do not ; worth it!" and he handed back twenty-one
cost much, and yet they may carry untold happi- cents, saying calmly, as he pocketed four cents.
ness to one to whom they are spoken. " That's about right. "
Teutk Montk. Q Q, X OB EH, 1882. ^^'-o""- ^"y^-
a
.2 LIFE INSURANCE ,| CALENDAR FOR
Calendar for
Calendar for
<
'Jl
l-HENOMENA
Boston, new England
N. Y. CITY, PHILADELPH.
Washington, Mary-
0
■Ji
I'OR. THE MOST HUAI.TH-
N.v. State, Michigan,
Connecticut, New
land, Virginia,
o
0
•i
FUI- PORTIONS OF
THE United states,
1 HE DOMINION OF Canada,
Great Britain and
Wisconsin, Iowa
and Oregon.
Jersey, Pennsylvania.
Ohio, Indiana and
Illinois.
KENTUCKY, Missouri
and California.
<
<
<
Ireland,
Sun
Sun
Moon
H. W.
Sun
Sun
Moon
H. W.
Sun
Sun
Moon
Moon
a
-
France and Belgium.
Rises
Sets.
H.M.
Rises
Boston
Rises
H. M.
Sets.
H.M.
Rises
N. Y.
Rises
H. M.
Sets.
H.M.
Rises
South.
H. M.
H. M.
H. M.
h. M.
H. M.
H. M.
h. M.
274
I
s
In October comes
5 57
5 42
8.=;5
2 42
5 56
5 43
9 0
II 24
5 55
5 43
9 5
332
275
2
Mon
" Indian summer,"
5 58
5 40
9 51
3 34
5 57
5 41
9 55
ev 20
5 56
5 42
10 0
4 2
276
3
Tues
with its soft haze
5 59
5 39
1048
4 30
5 58
5 39
1054
I 17
5 57
5 40
10 56
5 22
277
4
Wed
and rich fruitage,
6 0
5 37
11 45
5 29
5 59
5 38
II 49
2 15
5 58
5 39
II 53
613
278
5
Thur
Fri
Sat
Mon
when the ingather-
6 I
5 35
mom
6 26
6 0
536
morn
3 12
5 59
5 37
morn
7 I
279
6
ing for the year is
(> 2
5 33
43
7 22
6 I
5 35
46
4 7
6 0
5 35
49
7 47
280
281
282
7
8
9
completed and we
get ready for
Thanksgiving.
6 3
6 4
6 6
5 32
5 30
5 28
1 44
2 39
3 35
8 15
9 J
9 44
6 2
6 3
6 4
5 33
5 31
5 30
1 46
2 40
336
4 58
5 46
628
6 I
6 2
6 3
5 34
5 32
5 31
148
241
336
831
9 13
9 55
283
lO
Tues
0 7
5 27
4 33
10 24
6 5
5 28
4 32
7 10
6 4
5 29
432
1036
284
11
Wed
"When the garner
6 8
5 25
5 31
II 4
6 7
5 27
5 29
7 47
6 5
5 28
528
II 19
285
12
Thur
and the heart are
6 9
5 23
sets
II 40
6 8
5 25
sets
8 22
6 6
5 26
sets
ev. 2
286
13
Fri
full is the time to
6 10
5 22
6 2
morn
6 9
5 23
6 S
9 3
6 7
5 25
6 9
47
287
14
Sat
insure your life.
6 II
5 20
638
17
6 10
5 22
643
9 45
6 8
5 23
647
135
288
15
S
The most precious
6 13
5 19
7 19
59
6 II
5 20
7 24
10 24
6 9
5 22
7 29
2 24
289
16
Mon
of all your blessings
6 14
5 17
8 9
1 40
6 12
5 19
8 14
II 18
6 10
5 21
8 19
316
290
17
Tues
is your family.
6 15
5 15
9 3
2 27
6 13
5 17
9 8
morn
6 II
5 19
9 "3
4 8
291
18
Wed
Thur
Fri
S_at
Make sure, WHILE
6 16
5 14
10 5
3 15
C. 14
5 le
10 10
8
6 12
5 18
10 14
5 2
292
19
YOTJ CAN, that
6 17
5 12
II 9
4 8
6 15
5 14
II 12
55
6 13
5 16
II 16
5 55
648
741
834
293
294
295
20
21
22
they shall ever
have abundance —
6 18
6 20
6 21
5 11
5 9
5 8
morn
17
I 28
5 8
6 10
716
6 16
6 18
6 19
5 13
5 12
5 1°
morn
20
I 30
1 54
2 56
4 I
6 14
6 15
6 16
5 15
5 14
5 13
morn
22
I 31
296
23
Mon
that they may ever
6 22
5 6
2 40
817
6 20
5 9
241
5 I
6 18
5 11
241
9 28
297
24
Tues
have cause for
6 23
S S
3 54
9 10
6 21
5 7
3 53
6 2
6 19
5 10
3 52
10 22
298
25
Wed
thanksgiving.
6 24
5 3
5 8
10 10
6 22
5 6
5 6
6 56
6 20
5 9
5 4
II 16
299
26
Thur
There is no other
6 26
5 2
rises
II 4
6 23
5 4
rises
7 47
6 21
5 8
rises
morn
300
27
Fri
way by which you
6 27
5 I
5 51
n 52
6 24
S 3
5 55
835
6 22
5 6
5 59
16
301
28
Sat
can do this so easily
6 28
4 59
6 42
ev47
6 26
5 2
647
9 27
6 23
5 5
6 52
I 15
302
29
S and so effectually
6 29
4 57
7 37
I 31
6 27
5 1
7 42
10 16
6 24
5 4
7 47
2 13
303
30
Mon as by life insurance.
631
4 57
836
2 24
6 28
4 59
841
11 4
6 25
5 2
845
3 10
304
31
Tues II
6 32
4 55
9 36
311
6 29
4 58
940
11 56
6 26
S I
9 44
4 4
Moon's Phases.
boston.
New-York.
Washington.
Charleston.
sun at I 1
noon mark. I 1
D.
H. M.
H. M.
H. M.
H. M.
D.
H. M. S.
Last Quarter,
3
9 33 Evening.
g 21 Evening.
9 9 Evening.
8 57 Evening.
I
II 49 35
New Moon,
12
I 17 Morning.
I 5 Morning.
0 53 Morning.
0 41 Morning.
9
II 47 14
First Quarter,
19
7 II Evening.
6 59 Evening.
6 47 Evening.
6 35 Evening.
17
II 45 22
Full Moon,
26
9 50 Morning.
9 38 Morning.
9 26 Morning.
9 14 Morning.
25
II 44 9
THE NEW-YORK ALMANAC,
23
P-
A Young Apollo.
THE MEW-YORK ALMANAC.
^>OME set out, like Crasadeis of old, with ;i
O glorious equipment of hope and enthusiasm,
and get broken by the way, wanting patience
with each other and the \\'or\d. — George Eliot.
ONi: has only to look about among his
acquaintances, who have reached the age
of sixty years, to see instances not only where
endowments would be very acceptable, but also
where they are sorely needed. The supposition,
sometimes made as to the possible fate of young
men, is here seen as a fact. Here are men who
nuerc once rick and have come to poverty, or pretty
near it, in their old age. They did fail in busi-
ness, after years of success. There were reasons
for it — plenty as blackberries— all their friends
have heard them ; but what do they avail in the
face of the fact? These men might have placed
themselves and their families beyond the reach
of commercial disaster by the investment of a
moderate sum annually, while prosperous, in
endowment insurance. They see their mistake
now, and we may be sure the knowledge of what
might have been doe's not lighten their burdens.
NEVER choose a friend that you feel you have
lowered your standard of purity and right
one single inch to gain. If you cannot step up
in your friendships, you need not step down.
Raise your standard and stand by it.
CHICKEN soup can be made, it is said, by
hanging up a hen in the sun so that her
shadow will fall into the pot of salt and water.
The only trouble is that, on a cloudy day, the
soup is liable to be weak.
Eleventh Month.
:N^0VEMBEII, 1882. Thirty Days.
305
306
307
308
309
310
311
312
313
314
315
316
317
3.8
3^9
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
Wed
Thur
Fri
Sat
Ss
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
MI-1-: Insurance
Phenomkna
i-or thk most health- ]
ful portions oi"
THR irNIlED STATHS,
I HE Dominion of Canada,
Great Britain and
Ireland,
France and Belgium.
" During- the long-
years of trouble
■which folio-wed
November, 1873,
the Ne-w-York Life
Insurance Com-
pany served as a
bul-wark for re-
straining- popular
distrust of life in-
surance from g-oing:
too far. Its posi-
tion served to point
the needed moral
that life-insurance
principles are no
raore proved un-
sound by the fail-
ures -which bad
practice had pro-
duced than the
rules of numbers
are affected because
calc-ulations which
are based on -wrong
additions come to
naught."— iV. V. Sun-
day Mercury, Feb. 13, '81.
Calendar for
Calendar for
boston', new England I ^'-Y: *^'IH?,','.-*1?'-™-
N. -v. State, Michigan,
Wisconsin, Iowa
AND Oregon.
connecticut, new
Jersey, Pennsylvania.
Ohio, Indiana AND
Illinois.
Calendar for
Washington, Mary-
land, Virginia,
kentucky, missouri
AND California.
Sun Sun Moon H.W.I Sun Sun Moon H.W. I Sun I Sun iMoonl Moon
Rises Sets. Rises Boston! Rises Sets. Rises N.Y. Rises Sets Rises South.
M. 11. M. H. M. H. M. II. M. n.M. H. M
6 33
6 3 +
6 36
4 54 10 35
4 53 II 43
4 51 I morn
6 37
6 38
6 39
6 41
6 42
6 43
6 44
o 46
b 47
6 48
6 49
6 51
6 52
6 53
6 54
6 56
6 57
6 58
6 59
4 50
4 49
4 4Si
4 47
4 45
4 44
4 43
4 42
4 41
4 43
4 39
4 39
31
1 28
2 24
3 23
4 20
5 20
619
sets
6 5
7 o
758
— ,,9 2
4 3810 8
4 37 u 16
4 36 morn
4 35
4 34
4 34
4 33
4 32
4 32
4 31
1 36
2 47
358
5 9
6 18
rises
4 311 6 T9
4 30 7 19
4 30; 8 19
4 30 9 20
4 29 : 10 19
4 53
5 46
638
7 29
817
9 4
948
JO 31
11 14
II 56
morn
33
1 25
2 II
3 o
3 50
4 45
5 46
646
7 5'5
851
948
1044
II 33
ev 21
I 12
158
243
328
6 30 1 4 57
6 31 1 4 56
6 32 4 54
6 34 4 53
6 35:4 52
6 3614 51
6 37 j 4 50
6 38 1 4 49
6 40 1 4 4 8
6 41 j 4 47
6 42 ' 4 46
6 43
6 44
6 46
6 47
6 48
6 49
6 50
651
6 53
4 45
4 44
4 43
4 42
4 41
4 40
4 39
4 39
38
6 54 1 4 38
6 55 I 4 37
6 56 I 4 36
6 57 4 36
658 4 35
6 59
7
7
7
7
4 35
o|4 35
2|4 34
3 4 34
4 4 34
1038
II 45
morn
32
1 28
2 24
3 21
4 18
5 17
616
sets
6 ID
7 4
8 2
9 6
10 11
11 18
morn
14
1 35
2 46
3 56
5 6
6 13
rises
6 24
723
8 23
923
10 21
H. M. |H. M. 'H.M. H. M. H. M.
ev48
1 40
2 32
3 24
4 14
5 I
5 49
6 34
7 16
7 56
839
924
ID II
1053
II 44
mom
36
1 32
2 32
3 32
4 35
536
634
7 28
815
9 8
9 52
10 40
11 25
evi3
6 27
6 28
6 29
6 31
6 32
6 33
6 34
6 35
6 36
6 37
6 38
6 39
6 40
6 41
6 43
6 44
6 45
6 46
6 47
6 48
6 49
6 so
6 51
6 52
6 53
6 55
6 56
6 57
6 58
6 59
5 o 1041
4 59 '11 48
4 58 morn
4 57
4 56
4 55
4 54
4 53
4 52
4 51
4 50
4 49
4 4«
34
1 29
2 24
3 20
4 16
5 14
6 12
sets
615
7 9
4 471 8 7
4 47: 9 10
4 46 10 14
4 45 II 20
4 44 ' morn
4 44j 14
4 43 1 I 35
4 43 I 2 44
4 42
4 42
4 41
4 40
4 40
4 40
4 40
4 39
4 55
5 4^
6 27
7 10
752
834
9 16
9 59
10 44
11 31
ev 20
1 12
2 5
2 58
3 52
4 44
536
6 27
7 18
8 10
9 4
9 59
1057
II 55
rises morn
629 53
7 27, I 50
8 26 j 2 43
9 26} 3 33
3 53
5 3
6 9
4 39110 23 4 21
Moon's Phases
Last Quarter,
New Moon,
First Quarter,
Full Moon,
Boston.
H. M.
2 14 Evening.
6 35 Evening.
3 58 Morning.
9 19 Evening.
NEW'-ifORK.
H. M.
2 2 Evening.
6 23 Evening.
3 46 Morning.
Q 7 Evening.
WASHINGTON.
I 30 Evening.
6 II Evening.
3 34 Morning.
8 55 Evening.
CHARLESTON.
H. M.
I 38 Evening.
5 59 Evening.
3 22 Morning.
8 43 Evening.
H. M. S.
II 43 41
II 43 59
II 45 II
II 47 15
THE NE^AT-YORK ALMANAC.
25
26
THE NEW-YORK ALMANAC,
REV. George H. Hepworth says of his
first life policy; "The document, I thought,
somewhat resembled a tombstone, as it rested
against the books on my library-table, and being
near-sighted, its inscription seemed to be, ' In
memory of the late George H. Hepworth,' while
the smaller type at the bottom looked like a
short reference to the virtues of the deceased. "
Let us carry out the simile, and ask ourselves, in
all seriousness, whether, seeing we must die, we
would prefer, zuhen we are finally gathered to our
fathers, to have for a tombstone A CANCELED
LIFE POLICY, OR ONE KEPT IN FORCE UNTIL
OUR WORK WAS DONE, AND THEN PAID IN
FULL FOR THE BENEFIT OF OUR FAMILIES !
He who cannot command his thoughts must
not hope to command his actions.
WE cannot skip the seasons of our education .
We cannot hasten the ripeness and the
sweetness of a single day, nor dispense with one
night's nipping frost, nor one week's blighting
east wind.— /^. IV. Robertson.
THE expectation of future happiness is the
best relief for anxious thoughts, the mos:
perfect cure of melancholy, the guide of life
and the comfort of death.
OLD Tom Purdie, Sir Walter Scott's favorite
attendant, once said : " Them are fine
novels of yours, Sir Walter ; they are just inval-
uable to me." "I am glad to hear it, Tom."
"Yes, sir; for when I have been out all day
hard at work, and come home very tired, and
take up one of your novels, I'm asleep directly. "
Tivelfth Month.
DECEMBEH, 1882.
Thirty-one Days.
LIFE Insurance
Phenomena
for the most health-
ful portions of
the uniied states,
the dominion ok canada,
great britain and
IRELAND,
France and Belgium.
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
Mon
Tues
Wed
Thur
Fri
Sat
jS
Mon
Tues
Wed
Thur
Fri
Sat
;=s
Mon
Tues
Wed
Thur
Fri
Sat
During- the year
ending Dec. 31, '80,
the New- York Life
InsTirance Compa-
ny paid 542 death-
claims on the lives
of 480 persons.
The w^hole amount
paid was $1,731,-
721.37, an average
of over $3600 to
each family. The
premiums paid on
these policies, less
the dividends re-
turned by the Com-
pany, amounted to
$692,383.89, an
average of less
than $1500 to
each family. The
gain to the families
of the deceased
was, therefore,
$1,039,337.48, an
average of over
$2100 each. For
each $100 paid to
the Company, they
received $250.11.
H. M. H.M.
7 ID '4 29
7 II ;4 29
7 12 4 "
Calendar for
Boston, New England
N.Y. State, Michigan,
Wisconsin, Iowa
AND Oregon.
7 13
7 14
7 15
7 r6
4 28
4 28
4 28
4 28
7 4 2'
4 28
4 28
4 28
4 28
4 28
4 28
4 29
4 29
4 29
4 29
4 30
4 30
4 31
4 31
4 32
7 27 4 32
7 28 4 33
7
7 17
7 18
7 19
7 20
7 21
7 22
7 22
7 23
7 24
7 24
7 25
7 26
7 26
7 26
28
7 28
7 29
7 29
7 29
7 30
4 33
4 34
4 35
4 36
4 37
4 37
H. M.
II 17
morn
15
1 II
2 10
3 8
4 5
5 7
6 7
7 4
sets
6 54
7 59
9 I
10 18
11 27
mom
37
1 46
2 55
3 54
5 9
612
■ rises
6 4
7 5
8 5
9 4
10 7
1059
11 57
H. M.
4 II
4 59
5 49
639
7 32
8 22
9 12
ID O
ID 51
II 35
morn
21
I 9
I 55
243
3 31
4 23
5 19
6 23
7 26
8 30
9 30
10 26
11 18
ev. 3
47
1 30
2 II
2 50
3 30
4 12
Calendar for
. V. City, Philadelph.
Connecticut, New
Jersey, Pennsylvania.
Ohio, Indiana and
Illinois.
h. m.
7 5
H.M.
4 34
4 33
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4 36
4 37
4 37
4 38
4 39
4 39
4 40
•1 40
4 41
4 42
H. M.
II 18
morn
15
1 10
2 8
3 5
4 4
5 3
6 2
6 59
sets
658
8 2
9 10
10 20
11 27
morn
36
1 44
2 52
3 50
5 4
6 7
rises
6 7
1059
II 55
H. M.
ev58
1 46
2 35
3 25
4 17
5 8
558
646
7 35
817
9 7
9 55
1037
II 25
morn
17
1 10
2 5
3 9
4 II
5 15
6 16
7 II
9 34
10 15
1053
11 34
ev 16
Calendar for
Washington, Mary-
land, Virginia,
KENTUCKY, Missouri
and California.
H. m.
7 o
7 I
7 2
4 39
4 39
4 38
4 38
4 38
4 38
438
4 39
4 39
4 40
4 40
4 40
4 41
4 41
4 42
4 42
4 43
4 43
H. M. I H. M.
II 191 5 5
morn
i5
1 10
2 7
3 3
4 o
4 59
558
6 54
sets
7 2
8 5
9 13
10 21
11 27
morn
35
I 42
249
346
5 o
6 2
rises
6 II
7 II
8 10
9 7
10 8
1059
11 54
5 4»
6 30
7 II
7 54
838
9 24
10 12
11 4
II 57
ev 52
1 47
2 40
3 33
4 25
5 15
6 6
658
7 51
845
941
10 39
11 35
mom
30
1 22
2 12
25S
342
4 24
5 6
Moon's Phases.
Boston.
New-York.
Washington.
Charleston.
sun at
noon mark.
D.
H. M.
H. M.
H. M.
H. M.
D.
H. M. S.
Last Quarter,
2
10 12 Morning.
10 0 Morning.
9 48 Morning.
9 36 Morning.
I
II 49 19
New Moon,
10
10 53 Morning.
lo 41 Morning.
10 29 Morning.
10 17 Morning.
9
II 52 40
First Quarter,
17
11 55 Morning.
II 43 Morning. '
II 31 Morning.
II 19 Morning.
17
II 56 29
Full Moon,
24
9 19 Evening.
9 7 Evening.
8 55 Evening.
8 43 Evening.
25
12 0 27
THE NEW-YORK ALMANAC.
28
THE NEW-YORK ALMANAC,
FiaiTRES FROM THE CEISTSUS.*
''pHE. following table shows the distribution of population in the United States, etc., accord-
J- ing to the census of 1880. The Indians included are only those who live among the whites,
not those under tribal relations or on reservations. The number of females to 100,000 males has
decreased to present figures from 97,801 in 1870, and the proportion of foreign to native born
from 16,878 in 1870. The number of colored persons to 100,000 whites has increased from 14,528
in 1870 to 15,153 in 1880. The center of population at the first census, 1790, was twenty-three
miles east of Baltimore ; the movement of this point has been nearly due westward at the rate of
from 36 to 81 miles in ten years. The order of advance has been as follows : 41, 36, 50, 39, 55,
55, 81, 42, 58, and its present position is in Kentucky, eight miles west by south from the heart of
Cincinnati, O., and one and a half miles south-east of the village of Taylorsville. The increase
in population since 1870 has been 29^ per cent.
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Dakota
Delaware
District of Columbia.
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire . . . .
New Jersey
New Mexico
New-York
North Carolina
Ohio
Oregon
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Utah
Vermont. .
Virginia
Washington
West Virginia
Wisconsin
Wyoming
1,262,794
40,441
802,564
864,686
194,649
622,683
135,180
146,654
177,638
267,351
1,539,048
32,611
3,078,769
1,978,362
1,624,620
995,966
1,648,708
940,103
648,945
934.632
1,783,012
1,636,331
780,806
1,131,592
2,168,804
39.157
452,433
62,265
346,984
1,130,983
118,430
5,083,810
1,400,047
3,198,239
174.767
4,282,786
276,528
995,622
1.542.463
1,592.574
143,906
332,286
1,512,806
75.120
618,443
1,315,480
662,328
35.178
591,611
767,266
191,452
610,884
133.177
120,198
118,236
141,832
814,251
29,011
3.032,174
i.939.°94
1,614,666
952,056
1. 377.187
455.007
646,903
724,718
1,764,004
1,614,078
776,940
479.371
2,023,568
35.446
449,806
53,574
346,264
1.091.947
108,127
5,017,116
867,478
3.118,344
163,087
4,197,106
269,931
391,224
1,139,120
1,197,499
142,380
331,243
880,981
67,349
592,606
1,309,622
19,436
600,249
138
210,622
6,168
2,459
11,428
381
26,450
59.378
125,464
724,685
58
46,248
38,998
9.443
43,096
271,461
483.794
1,418
209,897
18,411
14,986
1,558
650.337
145,046
288
2,376
465
646
38.796
648
64,969
531.351
79.665
486
85.342
6,503
604,275
402,991
394,001
204
1,032
631,754
357
25,806
2,724
299
United States 50,152,866 43,404,876 6,577,151 105,717
4
1,632
134
75,122
610
130
238
3,378
214
37
47
483
I
256
29
54
52
94
1,764
18
5,423
14
182
55
942
1
117
9.515
170
27
9
27
142
518
6
3.227
14
16
914
Females
to 100,000
Males.
For'n born
to 100,000
Natives.
213
3.493
197
16,130
128
241
1,384
5
6
37
94
164
133
233
464
792
50
819
615
II
341
7.238
2,254
1.832
96
1,659
233
2,803
60
58
9,600
783
1,217
"3
1,679
168
67
114
325
932
65
4,187
17
3,118
139
65,122
102,731
43,398
92,747
66,841
50.342
103,567
64,249
97,772
112,501
97.464
102,191
49,468
93,946
95.746
91.530
85,562
98,001
100,520
100,239
102,300
107,695
89.769
86,233
99,527
92,368
38,953
81,500
48,204
103,420
102,025
85.770
102,843
103,438
98.135
69,040
100,445
107,864
102,994
100,479
89,882
93.240
99,107
102,832
63.386
96,656
93.423
46,901
772
65.613
1,299
51,167
25,686
26,336
62,112
6,905
10,662
3.773
675
44,112
23.389
7.836
19.183
12,378
3.742
6,111
9.977
9,701
33.069
31,118
52,172
817
10,791
41,658
27.430
70,016
15,292
24,366
9.154
31,284
263
14,080
21,091
15,900
36,491
773
1,087
7,748
43.943
14,054
979
26,766
3.037
44,548
39,"5
96,519
15,359
* For the documents containing this and other valuable information we are indebted to the courtesy of Hon. Francis A. Walker
Superintendent of the Census.
THE NEW-YORK ALMANAC.
29
CITIES A^D tow:n^s HATi:r^a a populatio:n^
OF 12,000 A^D UPWARD.
CITIES AND TOWNS.
New- York, N. Y
Philadelphia, Pa
Brooklyn, N. Y
Chicago, 111
Boston, Mass
St. Louis, Mo
Baltimore, Md
Cincinnati,* O
San Francisco, Cal . . . .
New Orleans, La
Cleveland, O
Pittsburg, Pa
Buftalo, N. Y
Washington, D. C...
Newark, N. J
Louisville, Ky
Jersey City, N. J
Detroit, Mich
Milwaukee, Wis
Providence, R. 1
Albany, N. Y
Rochester, N. Y
Allegheny, Pa
Indianapolis, Ind
Richmond, Va
New Haven, Conn . . . .
Lowell, Mass
Worcester, Mass
Troy, N. _Y
Kansas City, Mo
Cambridge, Mass
Syracuse, N. Y
Columbus, O
Paterson, N.J
Toledo, O
Charleston, S. C
Fall River, Mass
Minneapolis, Minn . . . .
Scranton, Pa
Nashville, Tenn
Reading, Pa
Hartford, Conn
Wilmington, Del
Camden, N. J
St Paul, Minn
Lawrence, Mass
Dayton, O
Lynn, Mass
Denver, Col
Oakland, Cal
Atlanta, Ga
Utica, N. Y
Portland, Me
Memphis, Tenn
Springfield, Mass
Manchester, N. H
St. Joseph, Mo.
Grand Rapids, Mich. . .
Wheeling, W. Va
Mobile, Ala
Hoboken, N. J
Harrisburgh, Pa
Savannah, Ga
Omaha, Neb
Trenton, N. J
i,2o6,5go
846,984
566,689
503.304
362,535
350,522
332,19°
255,708
233,956
216,140
160,142
156,381
155,137
147,307
136,400 I
123.645 j
120,728 I
116,342
115,578
104,850
90,903
89,363
78,681
75,074
63,803
62,882
59,485
58,295
56,747
55,813
52,740
51,791
51,665
50,887
50,143
49,999
49,oo5
46,887
45,850
43,461
43,280
42,553
42,499
41,658
41,498
39,178
38,677
38,284
35,630
34,556
34,398
33,913
33>8io
33,593
33,340
32,630
32,484
32,015
31,265
31,205
30,999
30,762
30,681
30,5^8
29,910
CITIES AND TOWNS.
Covington, Ky
Peoria, 111
Evansville, Ind
Bridgeport, Conn
Elizabeth, N. J. .. .. ....
Erie, Pa
Salem, Mass
Quincy, 111
Fort Wayne, Ind
New Bedford, Mass . . . .
Terre Haute, Ind
Lancaster, Pa
Somerville, Mass
Wilkesbarre, Pa
Augusta, Ga
Des Moines, Iowa
Dubuque, Iowa
Galveston, Texas
Watervliel, N. Y
Norfolk, Va
Auburn, N. Y
Holyoke, Mass
Davenport, Iowa
Chelsea, Mass
Petersburgh, Va
Sacramento, Cal
Taunton, Mass
Norwich, Conn
Oswego, N. Y
Salt Lake City, Utah. . .
Springfield, O
Bay City, Mich
San Antonio, Te.x
Elmira, N. Y
Newport, Ky
Waterbury, Conn
Poughkeepsie, N. Y. . . .
Springfield, 111
Altoona, Pa
Burlington, Iowa. ...'...
Cohoes, N. Y
Gloucester, Mass
Lewiston, Me
Pawtucket, R. I
East Saginaw, Mich. . . .
Williamsport, Pa
Yonkers, N. Y
Houston, Texas
Haverhill, Mass
Lake Township, 111
Kingston, N. Y
Menden, Conn
Hempstead, N. Y
Zanesville, O
AUentown, Pa
Council Bluffs, Iowa. . . .
Newburgh, N. Y
Portland, Or
Wilmington, N. C
Binghamton, N. Y
Bloomington, 111
New Brunswick, N. J . .
Long Island City, N. Y.
Newton, Mass
Bangor, Me
29,720
29,315
29,280
29,148
28,229
27,730
27,598
27,275
26,880
26,875
26,040
25,769
24,985
23,339
23,023
22,408
22,254
22,253
22,220
21,966
21,924
21,785
21,656
21,420
21,213
21,141
21,117
20,768
20,729
20,693
20,561
20,541
20,433
20,269
20,207
19,746
19,716
19,450
19.417
19,329
19,083
19,030
19,016
18,934
18,892
18,646
18,475
18,396
18,342
18,340
18,160
18,120
18,063
18,059
18,050
17,578
17,361
17,315
17,184
17,167
17,117
16,995
16,857
CITIES AND TOWNS.
Montgomery, Ala. .
Lexington, Ky
Johnstown, N. Y. . .
Leavenworth, Kan .
Akron, O
New Albany, Ind . .
Joliet, 111 .
Jackson, Mich
Woonsocket, R.I,.
Racine, Wis
Lynchburg, Va ....
Flushing, N. Y . . . .
Sandusky, O
Oshkosh, Wis
Hyde Park, 111
Newport, R. I
Topeka, Kan
Youngstown, O . . . .
Atchison, Kan
Chester, Pa
Lafayette, Ind
Leadville, Col
La Crosse, Wis ....
New Britain, Conn.
Norwalk, Conn ....
York, Pa
Concord, N. H
Lincoln, R. I
Virginia City, Nev .
New Lots, N. Y
Schenectady, N. Y.
Alexandria, Va
Brockton, ' Mass ....
Newburyport, Mass
Lockport, N. Y
Nashua, N. H
Pittsfield, Mass
South Bend, Ind . .
Pottsville, Pa
Orange, N. J
Little Rock, Ark. . .
Rockford, 111...... .
Fond-du-Lac, Wis. .
Norristown, Pa ....
Lincoln, Neb
Chattanooga, Tenn.
Macon, Ga
Richmond, Ind ....
Castleton, N. Y. . .
Cortlandt, N. Y....
Biddeford, Me
Georgetown, D. C .
San Jose, Cal
Fitchburg, Mass ...
Canton, 0
Northampton, Mass ,
Warwick, R. I
Ruriand, Vt
Hamilton, O
Keokuk, Iowa
Steubenville, O
Rome, N. Y
Maiden, Mass ,
Kalamazoo, Mich . . .
Easton, Pa
16,714
16,656
16,626
16,550
16,512
16,422
16,145
16,105
16,053
16,031
15,959
15,919
15,838
15,749
15,716
15,693
15,451
15,431
15,106
14,996
14,860
14,820
14,505
13,978
13,956
13,940
13,838
13,765
13,705
13,681
13,675
13,658
13,608
13,537
13,522
13,397
13.367
13.279
13,253
13,206
13,185
13,136
13,091^
13,064
13,004
12,892
12,748
12,743
12,679
12,664
12,652
12.578
12,567
12,405
12,258
12,172
12,163
12,149
12,122
12,117
12,093
12,045
12,017
",937
11,924
The number of inhabitants i
L present city limits, is estimated as between 206,000 and 207,000.
30
THE NEW-YORK ALMANAC.
AaillCtTLTlTRAL STATISTICS.
BELOW will be found the number of bushels of five of the staple grains of the United
States, produced in 1879, according to the census report, also the number of bales of cotton
and pounds of tobacco. Li addition to the cereals mentioned, there were grown 11,851,738
bushels of buckwheat, of which over eight million bushels were produced in New-York and
Pennsylvania. There were also produced 181,626,400 bushels of potatoes, 2,725,197 tons of
cotton-seed, and 1,362,599 tons of lint. The increase in cereal products during the census decade
was nearly one hundred per cent., but it is partly ascribed to the partial failure of the corn crop
of 1869 and the heavy yield of 1879. The cereal increase from i860 to 1870, as reported by the
census, was but twelve per cent., while the increase between 1850 and i860 was forty-three per
cent. The sugar crop of Louisiana in 1879 was 169,972 hogsheads of 1137 pounds each. The
totals for 1880 are the estimates of the Department of Agriculture. The estimates for 1881 are
not complete at this writing, but show the corn crop to be about 1,150,000,000 bushels, wheat
about 400,000,000 bushels, cotton about 6,000,000 bales.
STATES AND TERRI-
TORIES.
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Dakota
Delaware
District of Columbia
Florida
Georgia
Idaho
Illinois
Indiana
Indian Territory . . .
Iowa
Kansas
Kentucky
Louisiana.
Maine
Maryland
Massachusetts ;
Michigan (
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire ....
New Jersey
New Mexico
New-York
North Carolina
Ohio
Oregon
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Utah
Vermont
Virginia
Washington Territory
West Virginia
Wisconsin
Wyoming
INDIAN CORN,
bushels.
Totals, 1879.
25,446,413
36,246
23,666,057
2,050,007
455,988
1,924,794
2,078,089
3,892,464
29>75o
3.174.234
23.190.472
16,408
327,796,895
117,121,915
1,772,909,846
1.717.434.543
WHEAT,
bushels.
OATS,
bushels.
BARLEY,
bushels.
1,529,683
189,527
1,252,181
28,787,132
I.47S.559
38,742
3,018,354
1,175,182
6,402
513
3,158,335
540,564
51,136,455
47,288,989
276,093,295
31,177,225
106,791,482
17,324,141
73,977,829
",355,340
9,878,024
5,044
960,633
665,714
16,202,521
8,004,484
1,805,295
15,818
36,844,229
35.537,097
14,979,744
34,625,657
21,340,800
218,890
203,464,620
24,971,727
5,794
469,688
65,785,572
13,846,742
12,891
70,404
1,358,625
169,316
11,247,402
1,901,739
650.954
708,778
26,520,182
11,586,754
27.959,894
3,385,670
112,681,046
46,014,869
127,675
7,486,492
47,970,987
19,462,405
372,967
290
11.764.349
962,330
62,833,017
7,331,480
28,846,073
2,555,652
164,244
1,167,268
2,022,015
337.257
29,102,721
7,822,354
39,906
1,921,382
14,233,799
4,002,017
35,991,464
24,884,689
65
4,762
459,591,093
498,549,868
3,039,274
624
2,187,777
1,355,871
640, 100
1,009,706
2.331.230
378,508
7,440
468,122
5,544,161
462,236
63,206,250
15,606,721
50,612,141
8,180,385
4,582,968
229,850
2,265,575
1,794,872
645,169
18,190,493
23.372,752
1,959,620
20,673,458
900,915
6,555,565
186,860
1,018,006
3,710,808
157,437
37,575,506
3,830,622
28,664,505
4,393,593
33,847,439
159,339
2,715,445
4,722,938
4,868,916
417,938
3,742,282
5,333,081
1,581,951
1,908,505
32,911,246
22,512
407,970,712
417,885,380
6,420
239,051
2,342
12,578,486
107,241
12,286
307,166
537
RYE,
bushels.
210
19,396
274,750
1,229,693
383,329
4,021,473
300,313
487,031
50
242,185
6,312
80,158
1,204,523
2,973,061
3,127
123,476
39,970
1,744,7"
513,530
77,877
4,216
47,248
7.788,749
4.799
1,707,164
920.977
438,376
17.783
16,645
30,150
75.842
216,535
267,625
14,560
566,642
10,131
5,043,202
131
44.149,479
45,165,346
28,495
22,030
184,068
20,937
370,732
35,972
5,953
3,704
3,070
101,759
4,391
3,121,682
303,221
1,518,307
413,181
676,245
1,106
26,568
288,371
214.034
295.440
215,716
5,288
535,458
430
424,693
158
34,638
949,104
290
2,634,390
284,993
389,221
16,550
3,683,621
12,997
26,987
156,446
25,758
9-719
71,733
324,557
9,8x6
113,181
2,298,544
78
COTTON,
bales.
19,863,632
24,540,829
699,654
608,256
54,997
814,441
1,367
508,569
955,808
19,733
389,598
522,548
330,644
803,642
5,737,257
6,343,271
TOBACCO,
pounds.
452,556
600
970,220
73,317
14,044,652
2,107
1,353
1,400
22,197
231,198
400
3,936,700
8,872,842
420,722
191,749
171,121,134
56,564
350
26,082,147
5,369,436
84.333
70,389
415,248
11,994,077
58,589
1,500
170,843
171,405
1,249
6,553,351
26,986,448
34,725,405
17,860
36,957,772
925
46,144
29,365.052
222,398
131,422
80,099,838
7,072
2,296,146
10,878,463
473,107,573
446,296,889
THE NEW-YORK ALMANAC.
31
MTJ]SriCIPAL, STATE, A^D ^ATI0:N^AL
IISTDEBTED^ESS.
THE following table shows the net indebtedness, by States, of cities and towns therein con-
taining over 7500 inhabitants, according to the census of 1880 ; also the debts of States as
per statements of 1879 or 1880. Of the municipal bonded debt, $304,206,158 bears interest at
six per cent. ; on the balance, the rates range from three to ten per cent. The annual interest
charge is $49,954,433.78, on a bonded debt of $682,096,460 — an average of a trifle over six per
cent. The floating debt and sinking funds account for the discrepancy between the latter amount
and the net debt given in the table. This debt matures at an average rate of about $23,000,000
per annum until the year 1900. All but about fifty millions of the present bonded debt has been
contracted since i860. The largest item is $141,797,828 for water-works. Street and sewer im-
provements have left a debt of $102,838,251 ; railroad and other aid, $68,309,493 ; parks,
$40,490,636; war expenses, $28,722,787. The national debt, October i, i88i,was $1,798,857,085,
and the annual interest charges, $62,047,758; so if we consider the indebtedness of towns with
less than 7500 inhabitants, together with that of counties and school districts, to be equal to the
indebtedness discharged from the time these estimates were made to the present, we have, as the
total public indebtedness of the people of the United States, $2,644,857,085, with an annual
interest charge of $112,002,191.78.
NO. OF
CITIES AND
TOWNS.
NET DEBT.
Alabama 3
Arkansas i
California 6
Colorado 2
Connecticut 13
Delaware i
District of Columbia. . . 1
Florida I 2
Georgia \ 5
Illinois 22
Indiana 12
Iowa j 10
Kansas 4
Kentucky 5
Louisiana 2
Maine 8
Maryland 3
Massachusetts 39
Michigan 13
Minnesota 4
Mississippi i
Missouri I 5
Nebraska I 2
Nevada ' 1
New Hampshire 5
New Jersey 13
New- York 32
North Carolina , 2
Ohio 22
Oregon i
Pennsylvania 29
Rhode Island 6
South Carolina 2
Tennessee 4
Texas '. \ 6
Utah ....] I
Vermont , 2
Virginia j 7
West Virginia i
Wisconsin i 11
Totals j 311
$3>5oo.75o
335,243
5,285,203
132,000
12,015,431
1,372,450
22,675,459
280,916
8,848,319
18,480,839
7,175,758
2,840,727
1,833,624
7,096,553
18,193,653
11,467,393
1,809,030
61,355,650
5,007,817
2,929,582
373,218
27,095,558
427,193
112,000
2,994,898
36,913,809
177,239,951
678,202
36,511,474
76, 500
77,688,635
10,761,964
4,983,952
6,489,107
3,220,205
67,000
585,887
10,380,431
531,882
3,576,155
$593,344,418
NET DEBT
PER
CAPITA.
$51
DUE
SUBSEQUENT
TO 1900.
$2,540,900
817,000
2,897,000
109,500
14,587,900
5,903,500
980,000
562,235
296,770
3,792,000
443,050
3,068,300
6,332,800
13,953,074
760,000
514,500
2,190,000
25,000
175,000
8,222,800
77,413,272
103,300
18,122,000
20,881,740
1,500,000
3,235,900
2,506,200
1,999,500
5,414,758
111,000
1,600,000
NET
STATE DEBTS.
$201,058,999
11,532,252
5,046,405
606, 500
162,887
4,967,600
953,000
1,295,605
9,951,500
4,998,178
545,435
1,181,975
1,858,008
16,332,493
8,370,557
7,041,398
20,785,216
905,149
2,687,002
386,253
16,758,000
449,267
645,642
3,661,200
1,896,300
7,059,574
27,120,228
6,480,970
S11.376
13,794,328
2,534,500
6,639,171
26,842,850
5,086,783
31,227,083
2,252,057
$252,656,742
32
THE NEW-YORK ALMANAC
EARNESTNESS.
Xot from a vain or shallow thought
His. awful Jove young Phidias brought;
Never from lips of cunning fell
The thrilling Delphic oracle ;
Out from the heart of nature rolled
The burdens of the Bible old ;
The litanies of nations came, ^
Like the volcano's tongue of flame,
Up from the burning core below, —
The canticles of love and woe.
The hand that rounded Peter's dome.
And groined the aisles of Christian Rome,
Wrought in a sad sincerity ;
Himself from God he could not free ;
He builded better than he knew ; —
The conscious stone to beauty grew.
— R. W. Emerson.
EDUCATION ANI> SUCCESS.
Bv J.\MES A. Garfield.'
I HAVE a deep and peculiar sympathy with
young people who are engaged in any
department of education. Their pursuits are
to me not only matter.s of deep interest, but of
profound mystery. It will not, perhaps, flatter
you older people when I say that I have
far less interest in you than in these young
people. With us, the great questions of life
are measurably settled. Our days go on, their
shadows lengthening as we approach nearer
to that evening which will soon deepen into
the night of life ; but before these young peo-
ple are the dawn, the sunrise, the coming
noon — all the wonders and mysteries of life.
For ourselves, much of all that belongs to the
possibilities of life is ended, and the very
angels look down upon us with less curiosity
than upon these whose lives are just opening.
I feel a profounder reverence for a boy than for
a man. I never meet a ragged boy of the
street without feeling that I may owe him a
salute, for 1 know not what possibilities may
be buttoned up under his shal)by coat. When
I meet you in the full flush of mature life,
I see nearly all there is of you ; but among
these boys are the great men of the future —
the heroes of the next generation, the philoso-
phers, the statesmen, the philanthropists, the
great reformers and molders of the next age.
Let me beg you, in the outset of your career,
to dismiss from your minds all idea of succeed-
ing by luck. There is no more common
thought among young people than that foolish
one that by and by something will turn up
by which they will suddenly achieve fame or
* From an address before the students of the Spencer-
ian Business College, Washington, D. C, June 29, 1869.
fortune. No, young gentlemen ; things don't
turn up in this world unless somebody turns
them up. Inertia is one of the indispensable
laws of matter, and things lie flat where they are
until by some intelligent spirit (for nothing but
spirit makes motion in this world) they are
endowed with activity and life. Do not dream
that some good luck is going to happen to
you and give you fortune. Luck is an igtiis
fatims — you may follow it to ruin, but not to
success. The great Napoleon, who believed
in his destiny, followed it until he saw his star
go down in blackest night, when the Old
Guard perished around him, and Waterloo was
lost. A pound of pluck is Morth a ton of luck.
Young men talk of trusting to the spur of the
occasion. That trust is vain. Occasions can-
not make spurs, young gentlemen. If you
expect to wear spurs, you must win them. If
you wish to use them, you must buckle them
to your own heels before you go into the fight.
Any success you may achieve is not worth the
having unless you fight for it. Whatever you
win in life you must conquer by your own
efforts, and then it is yours — a part of
yourself.
Again : in order to have any success in life,
or any worthy success, you must resolve to
carry into your work a fullness of knowledge
— not merely a sufficiency, but more than a
sufficiency. In this respect, follow the rule of
the machinists. If they want a machine to do
the work of six horses, they give it nine-horse
power, so that they may have a reserve of
three. To carry on the business of life you
must have surplus power. Be fit for more
than the thing you are now doing. Let
every one know that you have a reserve in
yourself: that you have more power than you
are now using. If you are not too large for
the place you occupy, you are too small for it.
Let me suggest that, in giving you being,
God locked up in your nature certain forces
and capabilities. What will you do with them ?
Look at the mechanism of a clock. Take off
the pendulum, and the ratchet and the wheels go
rattling down, and all its force is expended in a
moment ; but properly balanced and regulated
it will go on, letting out its force tick by tick,
measuring hours and days, and doing faithfully
the service for which it was designed. I im-
plore you to cherish and guard and use well the
forces that God has given to you. You may let
them run down in a year, if you will. Take off
the strong curb of discipline and morality, and
you will be an old man before your twenties
are passed. Preserve these forces. Do not
burn them out with brandy or waste them in
idleness and crime. Do not destroy theiri. Do
not use them unworthily. Save and protect
them, that they may save for you fortune and
fame. Honestly resolve to do this, and you will
be an honor to yourself and to your country.
THE NEW^-YORK ALMANAC,
33
VOLTAIRE.
If thou wouldst view one more than man and
less,
Made up of mean and great, of foul and fair.
Stop here ; and weep and laugh, and curse and
bless.
And spurn and worship ; for thou seest
Voltaire.
That flashing eye blasted the conqueror's spear,
The monarch's sceptre, and the Jesuit's beads ;
And every wrinkle in that haggard sneer
Hath been the grave of dynasties and creeds.
In very wantonness of childish mirth
He puffed Bastiles, and thrones, and shrines
away.
Insulted Heaven, and liberated earth ;
Was it for good or evil? Who shall say?
—Macaulay .
ARAB HUMOR.
A READY answer was always sure to be
appreciated at the court of an Arab mon-
arch. Abu Dulameh, a black Abyssinian slave,
who lived during the reigns of the first Abbas-
side caliphs, was famous for his ready wit. On
one occasion he was standing in presence of
Es Saffah, " the blood-shedder," the first of
that dynasty, when the latter said to him :
" Ask of me whatever you desire."
" I want a sporting dog," said he.
" Let him have it," said Es Saffah.
" And a horse to mount when I hunt," he
added.
" Let him have a horse," saidEs Safifah.
" But I must have a slave to lead the horse
and carry the game," the other went on.
" Let him have a slave," said the caliph.
"And a slave-girl to dress and cook the
game for us," said Abu Dulameh.
" Let him have a slave-girl," said the caliph.
" Why, Commander of the Faithful," cried
Abu Dulameh, " that makes quite a family ;
what shall I do without a house for them ? "
"Let him have a house to hold them all,"
said the caliph.
" Ah ! " continued the other, " but how to
support them ? ' '
" I will give you ten uncultivated farms in
the plains where the children of Israel dwell,"
answered Es Saffah.
" And I will give thee, O Commander of the
Faithful, a hundred uncultivated farms among
the Beni Saad ! " retorted Abu Dulahmeh.
It is perhaps needless to remark that both
the Jews of Aral^ia and the desert tribe men-
tioned by the jester were turbulent subjects.
and that the caliph's writs only ran there nom-
inally ; the property would, therefore, have
been hard to realize.
"Very well, then," said the caliph; "you
shall have cultivated farms."
So Abu Dulameh got by his cunning all he
wanted, and much more than the caliph intend-
ed to give.
Father Noah is with us Occidentals credited
with the invention of the too seductive fluid ;
but the Orientals know better. Father Adam
was too clever (they say) to have missed such
a discovery, and it was he who planted the
vine. The result would, no doubt, have been
perfectly harmless, had not Ibliss, always
ready to make mischief, stepped in and spoiled
the fun. That unprincipled demon came fur-
tively after our first father, and sacrificed a
peacock on the spot where the plant was set.
As soon as it began to sprout forth, he sacri-
ficed an ape over it ; when the grapes began
to appear he slaughtered a lion ; and when
these were ripe, he offered up a pig. Hence it
is that he who drinks wine feels at first as
proud as a peacock, and becomes subsequently
as tricksome as an ape, as bold as a lion, and at
length as stupid as a pig.
A certain king visited a mad-house, and
found there an intelligent-looking youth, who
replied sensibly to several questions, and
finally requested an answer from his sovereign
to the following : " At what period does a
sleeper enjoy his sleep most? "
The king reflected awhile, and said, " While
he is actually sleeping."
" That cannot be," said the madman, " for
he has no perception while asleep."
" Then before he goes to sleep," said the
king.
" How can one enjoy anything," said the
madman, "before it comes ? "
"Then," said the king, "after he has been
asleep."
" Nay," said the madman, " a man cannot
be said to enjoy a thing that has passed away."
— Temple Bar.
If any one has swallowed poison of any kind,
an instantaneous remedy, useful in a large num-
ber of cases, is a heaping tea-spoonful of com-
mon salt, and the same quantity of ground
mustard, stirred quickly in a tea-cup of water,
warm or cold, and swallowed instantly. It is
scarcely down before it begins to come up,
bringing with it the remaining contents of the
stomach. And lest any poison should remain,
let the white of an egg or a tea-spoonful of
strong coffee be administered as soon as the
stomach is quiet, as these articles neutralize a
large number of virulent poisons.
34
THE NEW-YORK ALMANAC.
MX PRETTY GIRL -WIFE.
My girl-wife was as brave as she was good,
And helped me every blessed way she could ;
She seemed to take to every rough old tree,
As sing'lar as when first she took to me.
She kep' our little log-home neat as wax;
And once I caught her fooling with my ax ;
She learned a hundred masculine things to do ;
She aimed a shot-gun pretty middlin' true.
Although, in spite of my express desire.
She always shut her eyes before she'd fire.
She hadn't the muscle (though she/iadthe heart)
In outdoor work to take an active part ;
Though in our firm of Duty & Endeavor,
She wasn't no silent partner whatsoever.
When I was logging, burning, choppin' wood.
She'd linger 'round, and help me all she could.
And kept me fresh-ambitious all the while.
And lifted tons, just with her voice and smile.
With no desire my glory for to rob.
She used to stan' around and boss the job ;
And when first-class success my hands befell,
Would proudly say, " We did that pretty well ! "
She was delicious, botli to hear and see —
That pretty wife-girl that kep' house for me.
— WM Carleton : " Farm Festivals."
RESPECT IK THE FAMILY.
AS boys and girls grow up to manhood and
womanhood, parents should respect that
nascent dignity which comes vi'ith the age — they
should respect individuality. It is one reason,
perliaps, why sisters cannot always live together
happily that neither has been taught to respect
the other's strong peculiarity of character, at
least in outward manner. If we treated our
brothers and sisters with the same respect
that we treat our formal acquaintances in mat-
ters of friendship, opinion, and taste, there
would be greater harmony in households.
One of the first and most apparent duties is
to respect a seal. Never open your children's
letters after they are old enough to read them.
It is a curious element of self-respect that this
" C9:ninunity of letters " which exists in some
fanilies hurts the feelings of a young person
from tlie first. Certain cross-grained parents
or relatives tear open Sam's letters from Dick
and laugh at them. Certain other parents con-
sider it a duty to open their daughter's love-
letters. Perhaps in the attempt to keep a
daughter from marrying improperly any kind
of warfare is allowable. Extraordinary cir-
cumstances make extraordinary precautions
proper ; but it should be the last resort.
No girl is made better by espionage. If she
is a natural-born intriguer, no surveillance
will defeat her. If she is, as are most girls,
trembling in the balance between deceit and
honesty, a fair, open dealing, a belief in her,
will bring her all right. Do not set servants to
watch her. Do not open her letters. Do not
spy on her acts or abuse her friends. She will
be far more apt to come right if she is treated
as if she were certain to be true, frank, and
honorable in all her acts.
As for young boys and men, belief in their
word, confidence in their honesty, is the way
to make them honorable gentlemen. Be care-
ful, as we have said before, not to laugh at
them ; respect their correspondence. If the
rough-and-tumble of a public-school is to be
their portion, there is no fear that the amen-
ities of home will make them effete. They will
need all their polish as they go knocking
through the world. — From " Amenities of
Home. ' '
Governor Porter, of Indiana, in a speech
before the Indiana school-teachers, said : " The
best preparation of the boy for a virtuous life
is to interest him in good reading. I remem-
ber that, a few years ago, when one of my boys
was a little fellow, I noticed that he was read-
ing what I thought was an objectionable novel.
I said, ' I don't like this business of novel read-
ing,' and thought he ought not to read the
book any more. But before I insisted on his
giving it up, he said, ' I wish you would read
one of these books I have been reading.' I
took up the book, and found it to be a boy's book
about ' The Coral Islands.' It chanced to be
Sunday morning, and I did not go to hear any
preacher that morning, or afternoon either,
and was not content until I had read the book
through. (Laughter.) Why, such books put
into a boy's hands are perfectly irresistible.
You can catch the drift of a boy's mind and
character by tumbling out before him promis-
cuously a lot of books better than, perhaps, in
any other way ; and it is while a boy is read-
ing books in which he is interested that he
is shaping what his life will be. I know a boy
very well, who is not far removed from my
own family, who has developed a remarkable
fondness for the sciences, and all from reading
a popular series of books treating on water,
heat, electricity, and other matters of that kind,
each of which is worked up into a story."
My fairest child, I have no song to give you ;
No lark could pipe to skies so dull and gray ;
Yet ere we part one lesson I can leave you
For every day.
Be good, sweet maid, and let who will be clever ;
Do noble things, not dream them, all day long ;
And so make life, death, and that vast forever
One grand, sweet song.
— Charles Kingsley.
THE NEW-YORK ALMANAC
35
THE RAINY DAY.
The day is cold and dark and dreary ;
It rains, and the wind is never weary ;
The vine still clings to the mouldering wall,
But at every gust the dead leaves fall,
And the day is dark and dreary.
My life is cold and dark and dreary ;
It rains, and the wind is never weary ;
My thoughts still cling to the mouldering Past,
But the hopes of youth fall thick in the blast,
And the days are dark and dreary.
Be still, sad heart ! and cease repining ;
Behind the clouds is the sun still shining :
Thy fate is the common fate of all.
Into each life some rain must fall.
Some days must be dark and dreary.
— H. W. Longfellow.
" Do thyself no harm," is an injunction of
wide application. A man who would wantonly
cut off any of his members, by persisting in
such a course would eventually find himself
disabled, and degraded to a position of help-
lessness and dependence ; and he who does
vialence to his moral nature does himself a
still greater wrong. Desires, appetites, and
passions may be conquered and trampled
under foot ; but he who crushes his conscience,
v/ho violates his sense of right, who suffers
himself to do wrong to others, and does not
make haste to repair that wrong, has done
himself an injury much greater than that which
others have suffered at his hand.
A consciousness of integinty gives moral
strength ; an erect man can carry a heavier
load than one who stoops, and an upright man
has a strength which those who have bowed
do.vn to false gods know nothing of. A hollow
heart makes a feeble hand. Whenever we try
to persuade ourselves that wrong is right, that
duty is unimportant, that the thing we wish to
do we may do, even though it be forbidden of
God, we may bewilder our conscience, and
blind our eyes, and drift away from the path of
God's providence and our own duty, but we
are laying up sorrow for ourselves. And when
the day shall come that will demand all our
courage, fortitude, and faith, we shall find that
we have cut the sinews of our own strength,
and done ourselves an injury which we are
powerless to repair.
A person wrote to the New- York Inbiine:
" 1 am a young man just commencing business,
and have some young men in my employ.
How can I manage to prevent insubordination
on the one hand, and to make an affirmative
success as an employer on the other hand ?
Are there any books that will help me ? What
are some of the best books for a young busi-
ness man ? "
The following pertinent suggestions were
given in the answer : " The best single treatise
is the Nevi' Testament ; next to this is the Book
of Proverbs of Solomon. The best business
man we have ever known memorized the entire
Book of Proverbs at twenty-two — carrying the
American Tract Society's ten-cent edition in
his vest-pocket, and committing a half-dozen
verses daily; and when he became an employer,
gave a copy of the book to every employe,
with a friendly inscription commending it as
an admirable business guide."
We believe the winning of wealth to be a
perfectly legitimate pursuit. Wealth has great
and beneficent uses, and the world would
go very slowly if money could not be accumu-
lated in wise and enterprising hands; but
wealth may be used to make all men near
it prosperous and happy, or it may be used to
make them poor and miserable. When a rich
man is only excited by his wealth with the
desire to be richer, and goes on to exact larger
profits and to grind the faces of the poor,
in order that he may be superfluously rich, he
becomes inhuman and unchristian. The Chris-
tian use of wealth is what we need in this
country and in all countries. It is not that
wealth does not give in charity. It is not that
wealth is not sufficiently taxed for the support
of those who are wrecked in health or fortune,
but it is that wealth does not give the people a
chance to escape from poverty ; that it does
not share its chances with the poor, and point
the pathway for the poor toward prosperity.
As a rule, wealth is only brotherly toward
wealth, and the poor man feels himself cut off
from sympathy with those who have the power
of winning money. We may rest assured of
one thing, namely, that the poor in the future
will insist on being recognized. If they are
not recognized — if they are ignored in the mad
greed for wealth at any cost to them — they
will make the future a troubled and terrible
one for our children and our children's chil-
dren.— J. G. Holland.
When Eve brought woe to all mankind,
Old Adam called her ivo-man ;
But when she wooed with love so kind,
He then pronotmced her woo-man.
But now, with folly and with pride.
Their husbands' pockets trimming.
The women are so full of wh7?ns
That men pronounce them wimmeii I
— A fionymous .
36
THE NEW-YORK ALMANAC
HOME.
There is a spot of earth supremely blest,
A dearer, sweeter spot than all the rest,
Where man, creation's tyrant, casts aside
His sword and scepter, pageantry and pride.
While in his softened looks benignly blend
The sire, the son, the husband, brother, friend.
Here woman reigns ; the mother, daughter, wife.
Strews with fresh flowers the narrow way of life !
In the clear heaven of her delightful eye.
An angel guard of loves and graces lie ;
Around her knees domestic duties meet,
And fireside pleasures gambol at her feet.
— fames Montgomery.
A WELIi-ORDERED HOME.
IF every woman would set it before her, as
an aim worthy of all that is strongest and
best in her, to conduct a well-ordered home, a
great deal of happiness and real beauty would
be gained. ... It is wonderful to see how
much ingenuity is displayed by some women
who, with very little money, are always dressed
in perfect taste, and, with no apparent effort,
keep old furniture from looking shabby, old
carpets and curtains fresh and bright. But
these things are accomplished by much thought
and a great deal of hard work. Nothing helps
a person to do things like doing them ; and
it is a fact that in time one who has an actual
distaste for housework may come to regard her
kitchen as a laboratory in which careful manip-
ulations will produce e.xact results. One seeing
only these results is not very much to blame
for thinking them brought about in some mag-
ical way. . . . Of course there is a difference
in people, but many would be surprised if they
were told that the reason why they cannot do
certain things is because they never really
tried. . . .
A capital motto to be hung over the kitchen
door is this, " Thou desirest truth in the
inward parts " ; and the woman who, when
she expected company to tea, always went
the first thing and washed the cellar stairs,
had tendencies in the right direction. . . .
" If there is to be any dirt in the house,"
said the best housekeeper I ever saw, " let it
be where I can see it ; let it lie on the parlor
tables and chairs, rather than be allowed to
remain under the beds, and in corners where
it will become rich soil for the development
of germs of disease." . . . "Girls," said
grandmother to us one day, when we had
been having one of our what Aunt Dinah
would call " clarin'-up times," — "girls, my
grandmother used to tell me that one keep
clean is worth a dozen make cleans." — From
" Household Hints, '^ by J£t?tma IV. Babcock.
HOUSE-PLANTS IN WINTER.
PREPARATIONS for house-plants in win-
ter must be made during the previous
spring and summer ; and proper soil, a mode-
rate amount of heat, sun, and moisture, are
absolute essentials to their successful culture.
The pots for house-plants should not be too
large. Those of contracted dimensions will
insure more bloom, and make a stronger and
more compact plant. A plant to be forced is
always placed in what seems like a receptacle
of insufficient size. The soil for potting should
not be moist but friable, and the pot washed
inside and out, and well dried before using it.
Although ventilation is very desirable, plants
should never be aired in winter by letting a
draught blow on them, even on mild days, as
this is always an injury, sometimes a fatal one.
The morning sun is the great invigorator in
the way of growth and bloom, and a healthy
appearance generally, and only plants that love
the shade will prove at all satisfactory without
this tonic. ... In western windows, with
dry heat, may be grown amaryllis, calla, zonale
geraniums, cineraria, heliotrope, fuchsias, vin-
ca, wax plant, cactus, German ivy, winter-
blooming pinks, etc. . . . Western windows,
with little heat, are favorable to fuchsias, zonale
geraniums, Chinese primrose, vinca, pansies,
pinks, lily-of-the-valley, ixia, sparaxis, tritoma,
tulip, hyacinth, scilla, lilium, rose-geranium,
heliotrope.
To ascertain the needs of any plant in re-
spect to water, it is only necessary to rap
on the side of the pot ; a hollow, ringing sound
in reply is a cry for water, while a dull, heavy
sound indicates that the plant is not thirsty.
Once a week the leaves of all house-plants
should have a thorough washing, and an atom-
izer will be found excellent for this purpose.
Hanging-baskets require frequent watering,
for which, with due regard to the carpet be-
neath, they have to be taken down from their
perches, and then suspended somewhere else
to dry ; but this trouble may be avoided by sus-
pending a bottle of water just above the basket,
and place in it two pieces of yarn, leaving one
end of each piece outside. The drip will keep
the earth moist enough for winter. — From the
" Home Garden,''^ by Ella Rodman Church.
Better trust all, and be deceived,
And weep that trust and that deceiving,
Than doubt one heart, that, if believed,
Had blessed one's life with true believing.
O, in this mocking world, too fast
The doubting fiend o'ertakes our youth !
Better be cheated to the last.
Than lose the blessed hope of truth.
— Frances Anne Kemble.
THE NEW-YORK ALMANAC
37
THE POET'S SONG.
[For the song itself, see Tennyson's Works. — ED.]
The rain had fallen, the Poet arose,
He passed by the town and out of the street,
A light wind blew from the gates of the sun,
And waves of shadow went over the wheat,
And he sat him down in a lonely place,
And chanted a melody loud and sweet,
That made the wild-swan pause in her cloud,
And the lark drop down at his feet.
The swallow stopped as he hunted the bee,
The snake slipt under a spray.
The wild hawk stood with the down on his beak,
And stared with his foot on the prey.
And the nightingale thought, "I have sung
many songs.
But never a one so gay.
For he sings of what the world will be
When the years have died away."
— Alfred Tennyson.
Blustering natures, forgetful of the great
truth that " power itself hath not one-half the
might of gentleness," miss the ends for which
they strive just because the force that is in them
is not properly economized. Then as regards
temper — any man who allows that to master
him wastes as much energy as would enable
him to remove the cause of anger or overcome
an opponent. The little boy of eight years old
who in the country is often seen driving a
team of four immense dray horses, is one
of the innumerable instances of the power of
reason over mere brute force, which should
induce violent tempers to become calm from
policy, if from no higher motive.
However modest his contemplated dwelling
may be, the fees of an able and conscientious
architect will be a saving, not an expense ; an
able architect is not only an artist, but a practi-
cal man of business, whose duty it is to see
that his client gets the most of the best for his
money ; and this consists as much in economy
of construction as in preventing impositions of
all sorts. ^
There is a prevailing belief that beauty and
expense are synonymous in house-building,
and that those of us who have light purses
must be content with more or less hideous and
ill-contrived things. One of our main objects in
these pages is to combat this fallacy, and to
show that, though ornameiit and expense may
be synonomous, beauty consists in a harmo-
nious relation which is as attainable in a cot-
tage as in a palace, and that to apply the same
principles of construction or decoration to both
must result in an effect of parsimonious bald-
ness on the one hand, and of absurd ostenta-
tion on the other. — From ^'■Building a Home^''
by A. F. Oakey.
If we could compress into one golden sen-
tence the nearest approach to a formula for
home happiness, it would be this : Be as polite
to one another as if all were strangers. Do
not let the intimacy of home break down a sin-
gle barrier of self-control. Let every member
of the family studiously respect the rights- —
moral, intellectual, and physical — of every
other member. Let each one refrain from
attacking the convictions of the other. We
would not so treat a stranger. Why our
own ?
" Still in thy right hand carry gentle peace,
To silence envious tongues."
Furnishing [a house] may be done artist-
ically without following rigidly all the rules of
high art. . . . There are a few fundamental
rules, however, that cannot be discarded, for
in a well-furnished apartment there must
be fitness, appropriateness, proportion, sim-
plicity, harmony, and durability. Ornament
should always be a part of a structure, and
never attached to a structure. There should be
no overcrowding on the one hand, nor bareness
on the other. There should be a key of color,
to which all the tints should bear relation.
. . . Art does not exact costly things, but it
requires sincere things. Ornament must not
only be sincere, but chaste and modest. Every-
thing showy and tawdry, ornament that di-
verts attention from the object it is intended to
ornament to itself, defeats its purpose. Orna-
ment is to heighten the general effect, to give
character and beauty, not simply to pile one
substance upon another. — From " How to Fur-
nish a Home" by Ella Rodm.an Church.
EPITAPH.
Farewell ! since nevermore for thee
The sun comes up our earthly skies,
Less bright henceforth shall sunshine be
To some fond hearts and saddened eyes.
There are who, for thy last long sleep,
Shall sleep as sweetly nevermore.
Must weep because thou canst not weep.
And grieve that all thy griefs are o'er.
Sad thrift of love ! the loving breast.
Whereon thine aching head was thrown,
Gave up the weary head to rest,
But kept the aching for its own.
—T. K. Hervey.
38
THE NEW-YORK ALMANAC,
LIFE INSURANCE TOPICS.
WHY INSURE lilFE ?
I.
BECAUSE life has a money value which
may be suddenly destroyed. Men in-
sure houses on that principle — why not life?
2. Because a man may die poor — when life
insurance would be a great boon to his family.
Many men have died poor who once had
wealth, or excellent prospects of it.
3. Because, while men hope to leave a
comfortable sum for their families, they can
make sure of doing so by life insurance.
4. Because if one dies possessed of a fort-
une, a part of his estate might as well be
in the form of life policies as in any other.
5. Because life policies furnish ready cash to
an estate without the sacrifice of any interests,
or the winding up or selling out of any busi-
ness.
6. Because by insuring one provides for his
family's future, and need have no more anxiety
on their account if he is ill, or business troubles
threaten his capital.
7. Because if a man dies within fifteen or
twenty years after insuring, his life policies will
bring his estate more than the premiums would
if put at compound interest — and the proba-
bility is he would not put them at interest and
keep them there.
8. Seven reasons are enough, but as a com-
prehensive reason, covering the whole ground,
may be added :
Because the probabilities are that
the proceeds of a life policy will be of
more benefit and importance to one's
family or estate -when he dies than the
premiums will be to him while he lives.
9. This REASONING and CONCLU-
SION is certainly that of the best and
shrewdest business men of the country
— for they are very generally insured
for large amounts.
10. Proof that these conclusions are sound
is furnished by the figures of the policies paid
every month by the New- York Life Insur-
ance Company. The death of some soon
after insuring shows that a man may appear
perfectly well and yet have but a sliort time to
live. The large sums which are paid to the
families of those who die show how life insur-
ance lengthens out the life of a man in its
money-producing power, thus enabling him to
provide for his family in death as well as
in life. The fact that nearly every policy paid
returns more than has been paid on it, and
that the average gain is large, shows that as a
class men who die insured are largely
the gainers by life insurance.
A REASONABIiE PRUDENCE.
CONSIDERING how liable young and
middle-aged men are to die, and how
dependent their families are upon the results
of their labor, the insurance of their hves is
seen to be only the exercise of a reasonable
prudence. The average mortality of men at
age thirty is about eight per thousand ; at age
forty, about ten per thousand ; at forty-seven,
about twelve per thousand ; at fifty, about
fourteen per thousand. Among men from
thirty to fifty, therefore, about eleven families
will each year be deprived of their chief sup-
port. The ranks of such a company will be
more than decimated every ten years.
It is said with some show of reason that the
safest place for a man is on board an express
train, moving at the rate of thirty miles an
hour, — because statistics show so few persons
injured in comparison with the number carried.
And why ? Because great pains are taken to
prevent accidents; everything, from road-bed
to patent brakes, is studied with reference to
safety. Were it known that any reasonable
precautions for the safety of passengers were
neglected, there would be an outcry of public
indignation. Railroad companies are held to
account in heavy damages for injury to passen-
gers, because it is their business to carry
them safely. So it is every man's busi-
ness to carry his family safely through
THE NE\A/^-YORK ALMANAC,
39
the period of their dependence, and to
trifle with interests so sacred, by putting them
to unnecessary hazard, is to incur a very grave
responsibility. When a man does his best
there still remain risks enough ; but woe unto
him who neglects a reasonable precaution
against dangers that are well known.
When one goes on board a steam-boat, and
sees the fire-buckets and axes, the life-boats
and life-preservers, and then reflects how sel-
dom there is any occasion to use them, it seems
like a waste of money — a provision against
danger out of all proportion to the danger.
Thousands of passengers are carried every
year, and not one of them uses a life-preserver ;
the life-boats rot at the davits ; but who would
wish to travel on a steam-boat that neglected to
provide such things ? The truth is, when
such things are needed it is a matter
of life or death, and people realize that
it is better to provide them ten thou-
sand, times where they may prove
unnecessary than to be without them
once when they need them.
But no large company of persons journey
through the world long, before some of them
feel the need of life insurance. Every year the
shadows of death fall upon the homes and
hearts of more or less. It is only a reasonable
precaution for all to insure. The cost of in-
suring is not so great that it deserves to be
compared with the sad results to the families
of those who die uninsured.
COST AND WORTH.
rj reference to property, the value of which
is not clearly apparent, people are usually
glad to have that which costs most. Buying
in the open market, where competition is
sharp, and where others buy who know what
such things ought to cost, ordinary people con-
clude, and rightly, that price is a fair measicre
of value. If they do not always buy the high-
est-priced articles, it is usually because they
feel that they cannot afford them. They would
prefer to have that which sells for most in
open market, because they honestly believe it
to be worth most ; and they are usually right.
It is folly to suppose that where there is no
monopoly of privilege inferior goods can be
continuously palmed off at the highest price.
Suppose we apply this principle to life in-
surance. Some say it costs too much — that
it might be furnished at a lower rate. But
there are many life-insurance companies. Com-
petition is as sharp as in any other business
under the sun. If it were possible to furnish
safe and continuous insurance at a lower rate
than that which it costs in an old and purely
mutual company like the New-York Life,
surely some of its rivals would have found it
out. There is no other conclusion possible.
Life insurance, like everything else, is bought
and sold on its merits, and a company cannot
go on many years selling a commodity in open
market for much more than it costs to furnish
it. If it is offered at widely different prices,
there is doubtless quite as much difference in
the quality as in the price.
But insurance may be promised, without
regard to cost or value. Life insuraiT:e is
notably "sold for future delivery"; that is
to say, the company receives money when it
sells insurance, and the insurance is a contract
to pay money by and by. Any one can see
how easy it is to promise, at any price ;
but to deliver the goods is a different thing.
For this reason, a new insurance company
with no capital and no experience offers prac-
tically no security whatever, when it takes an
insurer's money, that it can or will redeem its
promise. The insurer must take its policy on
trust. So, when a new plan of insurance is
proposed upon untried principles, it may
appear plausible ; but one must pay his money
now, before it is tested, and run the risk of
the plan proving a failure.
The object of insuring one's life is to avoid
risk — to pay for the risk, and let some one
else carry it. A man wants no failure at the
other end of the line ; he pays his money in
order that there may be none ; he wants the
best and surest indemnity that money can buy.
He v/ants to buy a certainty, and not a per-
haps— not a probability, even. Therefore, if
he is not very short-sighted, he will choose
that which experience has shown to be good,
even if it does cost more, rather than a prom-
ise, the value of which he cannot estimate.
4U
THE NEVS<^-YORK ALMANAC.
SAVING AND INYESTING.
'^T"*HERE are too many young men who
X spend their surplus earnings freely be-
cause they have no pressing use for them.
They are not in business that requires capital.
They earn salaries. They do not owe money ;
they are not interested in investments, because
they have so little to invest. To put money
in a savings-bank seems too miserly — too
.small business. What, go to the bank every
month after pay-day, and deposit $5 or $io !
No, they may want it ; and so they keep
it, and it goes — they hardly know how or
where. How many keep an expense account,
or could tell at the end of the year what
they had spent their wages for ?
The time will doubtless come for all such,
sooner or later, when they will need the money
they are now spending so freely. When they
get ready — or when they get a good chance,
and find that they are not " ready," because
they lack capital — to go into business for them-
selves, then they will begin to realize the value
of money. They have dreamed of riches all
their lives ; but, while awake, have let the seeds
of riches fall by the way-side and be devoured.
We do not ask a young man to be close and
mean ; we only advise him to do what he will
by and by admit is the wise thing for a young
man — and that is to invest a part of his income.
Do not spend it all on yourself and your
pleasures. Taking care of dependents, edu-
cating yourself or others, putting money into
savings-banks or life insurance — these are all
first-class investments.
It is specially desirable for men to insure
their lives young. If they marry, their fami-
lies will need the protection of life insurance ;
if they do not, they ought to have endowments
for themselves. By insuring while young, a
man may have his policy — especially if a Lim-
ited Payment Policy — nearly paid up before he
has the expense of a family to provide for.
Moreover, he gets the same amount of insur-
ance for a less sum of money — both annually
and actually. It may seem a paradox, but it
actually costs less cash paid out to insure for
one's whole life than for the latter part alone.
That is the reward of beginning early. Again,
a man runs less risk of being rejected by the
medical examiner if he applies for insurance
while young. It is a serious matter, when a
man gets a family and needs insurance, to find
that no first-class life company will insure him.
When a man cannot get insurance, then he
realizes his need of it as never before. Insure
while young, and have insurance always.
HOLIBAY JOYS.
THANKSGIVING, and Christmas, and
New Year's — how they have crowded
upon one another until, now that they are
over, and the cheerful round (or grind) of
daily toil begins again, doubtless many feel
somewhat as children do after a surfeit of
sweets — there is a bad taste in the mouth, and
no appetite for the meat and potatoes of life.
This is only an admonition to enjoy pleasure
in a more rational way, and not to try to get
from it more than there is in it. Holidays
and vacations ought to leave us better prepared
for work — ought to leave us with more
strength and better courage. When they do
not, it is a sign that something was wrong in
our method of enjoying them ; either they
were not of the right sort, or we entered upon
them with mistaken ideas and temper.
But we are bound to assume that our read-
ers had a good time, and are satisfied vnth
themselves. May they never have less cause
for thanksgiving, less reason to be merry, nor
see the dawning of a less happy new year. In
order that this may be so, however, some
things are prerequisite. Philosophers and crit-
ics say " we see in a thing what we bring means
of seeing." So we enjoy holidays, and all days,
just as much as we bring to them means and
capacities for enjoyment — and no more. We
make the day what it is to us — very largely.
There is something in the atmosphere, the sur-
roundings, that helps, to be sure, but it needs
to be appropriated before it does us any good.
Nay, more, unless we can appropriate it, —
unless we are, to a certain extent, in harmony
with it, — it rather mocks than comforts us.
One does not need to look far, nor to con-
sider long, to perceive that a large part of
holiday joys lies in making others happy
THE NEW-YORK ALMANAC.
41
— in being happy with others. That was a
poor thanksgiving when the Pharisee thanked
God that he was not as other men, and it
always will be a poor thanksgiving to rejoice
simply because we are blessed. It would be
hard to imagine a more unhappy world for a
decent man to live in than one in which he
alone was happy. There may be a good deal
of make-believe and cant in the ordinary talk
about living to make others happy, and prob-
ably very few make that the sole, or chief, aim
of life, but a man would need to be far gone in
selfishness who could enjoy a feast with starv-
ing men looking on.
If a man is not happy in looking back and
looking forward, in considering his own pros-
pects and those of his family, let him consider
whether he is doing his duty toward them and
toward himself in the matter of life insurance.
Do they need its protection now ? Will you
need its help in the shape of an endowment if
you live to old age ? If so, do not expect to be
happy until you do your duty.
ENDOWMEIS^T INSURANCE
FOR BUSINESS MEN.
IT is not necessary " to suppose " cases in
order to show that life and endowment pol-
icies are among the most beneficent agencies
that men can employ for securing their families
and themselves from the dangers of adversity.
The large sums paid by life companies every
month, as death-claims and matured endow-
ments, are continual illustrations of the wisdom
of those proverbs which warn men to prepare
for adversity while they are prosperous.
We are inclfiied to think that writers gener-
ally fail to give due prominence to the value of
endowments. The life policy pleads its own
case. A mother and children, left without the
means of support, presents a spectacle so piti-
able, and one that reflects so clearly the im-
providence of the husband and father, that life
insurance as a protection to the family ought not
to need any special eloquence to plead its right
to recognition and patronage. But all that
can be said in favor of life insurance
proper can also be urged in favor of
endowment insurance, except that the
former is the cheaper, and there are additional
advantages in the endowment policy which
more than compensate for the additional outlay.
Remembering what, and how great, the ad-
vantages of a life policy are, tlie perfect
security of the family, in the sum of
the full face of the policy, from the
moment the first premium is paid, let
us note some of the additional advantages of
the endowment form. First, there is definite-
ness in the number of premiums to be pai^,
if the insured outlive the endowment period ;
second, definiteness in the amount of a paid-up
policy, in case one should ever be wanted; and
third, certainty of the money coming to the
insured himself, should he outlive the period
for which he insured. These are certainly
great advantages. It is pleasant to know the
extreme limits of one's contract ; to feel, as the
years go by, that with every premium paid
there remain only a certain and definite num-
ber to be paid ; and certainly nothing could be
more delightful than to survive the perils of
one's endowment period, and receive the money
on his own policy.
How many men we all know who have been
fairly prosperous all their lives, have spent
large sums of money first and last unneces-
sarily, who now think of nothing so much as
how to keep up a respectable appearance in the
world, and make both ends meet at the end of
the year ! They put all their accumulations
into business and houses and furniture, and lo !
they are not. Consider, now, you who know
their former resources, how easily they could
have taken $5000 endowment policies twenty-
five years ago ; and then remember that you
have no^w the inestimable privilege of
profiting by their experience.
Once to every man and nation comes the mo-
ment to decide,
In the strife of truth with falsehood, for the
good or evil side ;
Some great cause, God's new Messiah, offering
each the bloom or blight,
Parts the goats upon the left hand, and the
sheep upon the right,
And the choice goes by forever, 'twixt that
darkness and that light.
— y. R. Lowell : "The Pi-esent Crisis."
42
THE NEW-YORK ALMANAC
THE WORK OF A SINGLE
YEAR.
THE work of the New-York Life Insur-
ance Company during 1880 was of such
magnitude and importance as to justify a some-
wliat extended reference — indeed, an article
of readable length can only touch upon a few
of the most important features of the Com-
pany's operations. First, there was the secur-
ing of about ten thousand applications for
insurance, and the acceptance of over six
thousand new risks, covering insurance to the
amount of over eighteen million dollars. The
low mortality rate of the Company results
from the scrupulous care exercised in the
acceptance of risks; and although it maybe a
misfortune to those whose applications arc
declined, it is of great importance to those
already insured and to those now insuring.
The general satisfaction of old policy-holders
is well attested by the fact that only 785 in
a membership of over 45,000 surrendered
their policies during the year.
The income of the Company was nearly
nine million dollars. There were nineteen
companies doing business in the State, none of
which had assets to the amount of the New-
York Life's income. The interest receipts
of the New- York Life were greater than the
assets of any one of five that could be named.
Of the six millions and more of premium
receipts, only the comparatively trifling sum of
$34,228.23 remained in the hands of agents at
the end of tlie year. The receipts from inter-
est, rents, etc. amounted to over five and a
half per cent, on the average assets, and, at the
end of the year, the amount accrued and unpaid
— part of it not yet due — was less than one per
cent, on the Company's investments. Such an
interest rate and such promptness in payment
can only result from investments of an unu-
sually high character ; and the picture of solid
worth and prosperity is rounded out to com-
pleteness when we remark that the market
value of the Company's bonds and stocks was
nearly two million dollars in excess of their
cost.
The payments to policy-holders were in
keeping with the foregoing ; nearly two mill-
ion dollars in death-claims, over half a million
in endowments, and over two millions in
annuities, dividends, and surrender values,
making a grand total of four and one-half mill-
ion dollars, lacking $108.76. The payments
in death-claims and endowments alone aver-
aged over seven thousand dollars for every
working day in the year, and the number of
claims settled was about nine hundred. Every
day some household that death had darkened
was made brighter by the timely proceeds of
a life policy, and some other, that death had
spared, was enriched with the proceeds of an
endowment policy that had been a protection
and a comfort during all the years of its
existence. The cash cost of the policies paid
as death-claims was over a million dollars less
than the amount received by the assured.
But, meanwhile, running policies increased
in value, and more money must be on hand to
provide for their ultimate payment. How did
the Company stand in respect to its liabilities ?
Assuming that it would receive in future only
four per cent, on its investments, providing in
full for all liabilities, and assuming a deatii-rate
greater than that previously experienced, and
greater than assumed by the State in valuing
its policies, and the Company's surplus was
$4,295,096.99. Surplus is the key-stone that
supports the arch of a life-insurance struct-
ure, but this depends on the principle by
which liabilities are computed, which is often
lost sight of. According to the mortality table
used by the Massachusetts Insurance Depart-
ment, the surplus of the New- York Life is,
on a four per cent, reserve, $809,498.79 more
than the amount given above, and if four and
a half per cent, interest (the legal standard in
this State) be assumed, the Company's surplus
is $9,252,567.35. With securities of the high-
est order, and such a surplus upon conserv-
ative estimates, it would be difficult to imagine
anything more secure than a policy in the
New-York Life.
She doeth little kindnesses,
Which most leave undone, or despise :
For naught that sets one heart at ease.
And giveth happiness or peace.
Is low esteemed in her eyes.
—y. R. Lowell: "My Lave."
THE NEW-YORK ALMANAC.
43
LIFE INSURANCE AND
MORTGAGES.
IT is hardly too much to say that no man
whose property is mortgaged ought to rest
easy until his lite is insured for an amount suf-
ficient to pay the incumbrance. In most cases
the mortgage represents no more — usually
much less — than the man expects to earn and
save before he dies. He buys a house in the
city for a residence, or a farm in the country,
with — as he supposes — much of life yet before
him. It does not trouble him that he cannot
pay for it in cash. It gives zest to labor to be
working for an end. He is rearing a family
and providing a home. His house or his farm
may be mortgaged, but he is paying it off in
installments, or saving money to pay it all at
once. He intends his family shall have at
least so much that they can call their own.
But suppose, in the midst of his planning
and working, the man dies. The income of
the family is largely diminished, or, perhaps,
ceases entirely. Now, if the home were paid
for, or the farm were free from incumbrance,
there would be a base to work from and a
hope for the future. But with a mortgage
hanging like a mill-stone upon a family, be-
reaved of its chief worker, what can be done ?
The interest must be paid. Perhaps a part of
the principal is also due. The family cannot
carry the burden. They must sell, or be sold
out at sheriff-sale. Their equity in the prop-
erty is the savings of years, but how little is
realized from real estate sales that viust be
made ! The home or the homestead is gone,
and there is but little left, and the question
presses daily and hourly, Wliat shall the mother
and children do for a living ?
How different the result where a man car-
ries enough insurance to pay off his mortgages !
His life ceases, but the work he expected to do
goes on. He has secured his family against
the total loss of this money-producing power,
by insuring his life. With the proceeds of his
policy the mortgage is paid, and the home he
expected to earn for his family is theirs. So
much is secure, and with this to stand upon, the
future is not altogether dark.
The cost of insurance is not so great that it
ought to be a bar to securing a protection so com-
plete. Better buy a cheaper house or a smaller
farm, if necessary, and make sure of it. The
rate of interest has recently been reduced in
this State — a mortgage is not so expensive as
formerly by one per cent. Add two or three
more per cent, to this, according to your age,
and you have enough to insure your life for
the face of the mortgage. Then, instead of
paying six per cent, interest, and running the
risk of losing all, you pay, say ten, and keep
up an endowment policy that will
guard your investment, and by and by
lift the mortgage. How can a man make
himself and his family secure so easily, and
pay off his mortgage besides ?
AN OBJECTION TO INSUR-
ANCE CONSIDERED.
THE objection is sometimes made to life-
insurance that it is a distrust of Provi-
dence, and occasionally one of the best of
women will object to her husband carrying a
life policy. We confess to a very tender feel-
ing toward such, for it is a good thing when a
woman has respect for trust in Providence,
and if she were selfish and unloving, she
would not be troubled about the receipt of
money on a husband's life policy. But we
believe — nay, we are sure — the objection
springs from an imperfect consideration of the
principle of life insurance; let us, therefore,
consider the matter a little in detail.
Planting and sowing and laboring for
future gains are not usually considered as
implying distrust in Providence. Indeed, the
good Book is full of precepts which enjoin
the duty of industry and self-denial, with the
expectation of future rewards, both of a
temporal and spiritual nature. In short, it is
the order of Providence to labor in faith,
and expect the reward of labor by and by.
Unnecessary worry and anxiety about the
future are forbidden, but reasonable prudence
and forethought are commanded. Surely
man may be allowed to do by the exercise of
his reason what animals do in pursuance of
an inborn instinct — viz., make provision for
the future.
44
THE NEW-YORK ALMANAC,
But it is said that life is in the hands of
God, and therefore not to be made the basis
of a business contract. No more than every-
thing else is in the hands of God, for are we
not told that, even in the matter of buying and
selling, and getting gain, we are to say, " if the
Lord will " ? If we look at the principle of
life insurance, we shall also see that it fulfills,
in a literal sense, the Scriptural injunction to
" bear one another's burdens." A man's risk
of death is a burden that may crush his family,
therefore he should bear it by paying for it.
If it is right to bear the burdens of others,
surely it cannot be v/rong for them to permit
their burdens to be borne. Yet that is just
what one practically does who refuses the
benefits of life insurance.
There is another sense in which it is a
woman's duty to encourage life insurance: her
children need its protection. We feel sure no
stronger appeal can be made to a mother's
heart than that which relates to the good of
her children. It may be that she would pre-
fer poverty for herself rather than live com-
fortably on the proceeds of a life policy : but
she has no right to make such a hard choice
for her children. That would not be bearing
their burdens, but compelling them to bear
hers. So, if any wife and mother feels it to be
a sacrifice on her part to consent to her hus-
band being insured, let her consider for whose
sake she makes it, and whether it is not a
duty.
It is surprising how events — especially
death — change one's feelings. After the
death of a husband, the wife is apt to reproach
herself that she ever opposed his wishes,
especially if she sees that they were wise
and good. And, while she may bear patiently
any hardship that her mistaken judgment
brings upon herself, if it touch her children
and his children, the thought of what is, and of
what might have been, will be full of bitterness.
Many a woman sits down in sorrow and in
poverty, and bewails an irretrievable mistake,
in this matter of life insurance, as bitterly as
Esau bewailed the loss of his birthright. Let
what has been be a warning, nor vainly im-
agine that we shall be specially rewarded for
what we mistakenly call trust in Providence.
THIRTY-SIX YEARS' WORK.
WHEN the New- York Life Insurance
Company began business in 1845, life
insurance in this country had not passed be-
yond the experimental stage. True, the prin-
ciples that underlie it are unchangeable, and
the system is founded upon the most absolute
mathematical computations ; but to adapt the
system to the wants of men, to lead them to
accept it, and to make it a practical power
in their life-work — this had all to be done.
Prejudice was largely against it, so was selfish
self-interest. Public opinion had to be concil-
iated and educated, and practical tftethods of
administration sought out and put in practice,
and beneficent results shown, before life insur-
ance could make much headway. It is no
wonder, therefore, that the New- York Life
grew slowly during the first years of its ex-
istence ; the greater wonder is that it grew at
all.
During the first ten years of the Company's
existence it issued 10,215 policies, insuring
$20,794,051, and received $1,954,442.82 in pre-
miums, and $375,171.13 in interest. It paid in
death-claims $757,398.09, and to policy-hold-
ers in other ways — chiefly dividends — $373.-
105.78. The number of policies and amount
of insurance issued during this time scarcely
surpasses the work of one of the Company's
later years, while the amounts received and
disbursed are very much smaller than the
sums now handled every six months. But a
beginning had been made ; ground to stand on
had been secured ; the good fruits of the sys-
tem were already demonstrating what sort of
a tree they grew upon. The Company had
started right — as a purely mutual organiza-
tion, in which all policy-holders had equal
rights, and no one else had any. It was con-
stituted of policy-holders, by policy-holders,
and for policy-holders, and it served their pur-
pose, and served it well.
The second decade showed a great advance,
both in business done and in methods of ad-
ministration. Over 18,000 policies were issued,
insuring over $50,000,000 ; over $6,000,000
was received in premiums, and nearly $1,000,-
000 in interest. The payments in death-claims
THE NEW^-YORK ALMANAC.
45
exceeded $2,000,000, and other payments to
policy-holders were over $1,100,000. It was
during this period — -in i860 — that the New-
York Life originated and introduced its Ten-
Payment Life non-forfeiture policy — the first
step in making all policies non-forfeitable.
The importance of this feature will be seen in
some degree, when we state that, during the
last ten years, policy-holders in American
companies have received for surrendered pol-
icies over one hundred and fifty million
dollars. The principle has finally been em-
bodied in the statutes of the State, though
the provisions of the law are not so favorable
to policy-holders as has long been the custom
of the New- York Life.
Twenty years of pioneer work had prepared
the Company for the opportunities and for
the dangers of the period of inflated business
and values immediately following the close of
the war. During the next five years more
insurance was issued than during the preceding
twenty; premium receipts averaged over three
million dollars per year ; nearly $1,500,000 per
year was returned to policy-holders, and the
invested assets mounted up at a still higher
rate. The next five years saw an increase over
the preceding, the premium receipts being
nearly doubled, and the interest receipts and
payments to policy-holders more than doubled.
This period closed with 1874, and in it occur-
red the great financial crisis of 1873, from
which many life companies date their decline,
and some their fall. The income of life compa-
nies doing business in this State fell off be-
tween 1873 and 1881 over thirty-six per cent.,
and the insurance in force over twenty-five per
cent. The New- York Life, on the contrary,
shows an increase in both items — which is
true of no other prominent company — the
increase in income being about seventeen per
cent., and the increase in insurance in force
about ten per cent.
The six years ending January I, 1881, were
years of marvelous growth and prosperity
to the New- York Life, notwithstanding the
depreciation of values which, with all life com-
panies, tested to the utmost the character of
investments made during the period of infla-
tion. The income of the Company and its dis-
bursements to policy-holders were larger than
ever, and the tenacity with which it held and
increased its business has already been shown.
Interest receipts largely exceeded the losses
by death, and the accrued and unpaid interest
has never amounted to one per cent, on in-
vestments. The assets have gone on increas-
ing at the rate of over two million dollars per
year, and surplus in proportion. The progress
made by the Company in 1880 was remarkable.
Its income was the largest in its history,* the
increase in assets and surplus greatest, the
excess of income over expenditures the largest
of any life company in the country.
For a brief summary of the Company's work,
during the thirty-six years ending January i,
1 88 1, see totals, etc., page 48.
The endowment policy is specially desirable,
because, among other things, all the family
have an equal interest in it. It is a grand
testimony to the unselfishness of husbands
and fathers that they put so much money into
ordinary life policies, from which they can
never hope to derive any benefit except the
satisfaction of having provided for loved ones.
Many a woman who sheds tears over a life
policy when it is first taken, or who objects to
its being taken at all, would see in an endow-
ment policy something the results of which
her husband might, peradventure, share with
her, and so the sting of painful suggestion
would be removed. By linking the present
weakness of wife and children with the far-
away weakness of the husband and father, the
endowment policy provides for both, and gives
to each the privilege of laboring and saving for
what may be a blessing to the other.
Whene'er a noble deed is wrought,
Whene'er is spoken a noble thought.
Our hearts, in glad surprise,
To higher levels rise.
The tidal wave of deeper souls
Into our inmost being rolls,
And lifts us unawares
Out of all meaner cares.
— H. W. Longfellow : ' ' Santa Filomena.
* The Almanac goes to press too soon to take account
of the business of 1881.
46
THE NEW-YORK ALMANAC.
TAKING BACK A PRESENT.
" A/T^ watch needs cleaning, George," said
IVX Mrs. Walters, as her husband rose
from the breakfast-table. " I wish you would
leave it at the jeweler's this morning as you go
to town."
" What, out of repair again ! " said George,
as he lit his cigar. " Upon my word, that
watch needs the most cleaning and repairing
of any time-piece I ever saw. What ails it ?
I think I'll give Harris a blowing up."
" Why, my dear, it hasn't been cleaned in a
year and a half. I broke the spring last win-
ter by winding it too tight, but I have had it
now five years, and it has only been cleaned
three times. I thought, if we went to the
country next month, I would like to have it
reliable. If a watch doesn't keep good time,
it looks as if one wore it simply for show."
" That reminds me, Mrs. W., of what I have
been thinking about for a week past — where,
oh ! where is the money coming from with
which to go to the country ? Business dull,
expenses heavy, bank account low — that's
about the English of the situation. Can't see
a spare hundred dollars anywhere."
" Well, then, we'll stay at home, of course, if
we can't afford it. I didn't know as we were
poorer than usual. Have you had any special
losses lately ? "
"Yes — or no, I haven't, either; that is,
none in regular business; but some outside
matters haven't turned out as well as I ex-
pected. But I'll see. Perhaps we can get
away for a few days, anyhow."
" Will you take the watch ? " said Mrs.
Walters, as George put on his hat.
" Don't think I'd better; if we go away, we
shall be obliged to economize wherever we
can. This is Monday morning — a good time
to begin."
" I happened to meet Harris to-day," said
Mr. Walters, on his return from business,
" and mentioned the watch, and what do you
suppose he said ? "
"I can't imagine, I'm sure," said his wife.
" I presume he told you, just as I did, that it
had not been cleaned for some time."
" Yes ; and he said something more, and
more important. He says if I am dissatisfied
with the watch, he will give me $ioo cash for
it — and it only cost $125, you know, and you
have had it five years."
" Why, George, you wouldn't want me to
sell it, would you ? It is as good a watch as
I want, in every respect, and your present,
too ! "
" Oh, of course, I don't want you to sell it
if you don't want to; but I thought — well —
never mind — nothing."
" What did you think, dear ? Com.e, I must
know. Are you really so hard pressed for
money ? You must tell me, or I shall think it
worse than it really is."
" Oh, it's nothing ; I can get along as far as
business is concerned, but the vacation is what
bothers me. We both need it, and I thought
when Harris offered to buy the watch that, if
you were willing, you might let him have it,
and I would get you another next winter,
when business gets better."
Mrs. Walters glanced at her husband's care-
worn face, and the struggle was over.
" It shall be so," she said. " I can do with-
out the watch better than you can do without
a vacation."
" I feel mighty mean about it, though, the
more I think of it, wife. It seems like mak-
ing a present and then taking it back."
"Never mind," said his wife, gayly; "we'll
enjoy our vacation, and when our ship comes
in I'll have a new watch."
Not just the thing, was it, reader, for a man
who smokes and loses money in " outside vent-
ures " ? looks a little mean. There's some-
thing about taking back a present once made,
under any circumstances less than necessity,
that a sensitive man shrinks from. Siipfose it
had been a life policy ! A life policy is a present
to wife and children, M'hen first taken, and con-
sists of money already paid, and an agreement
to pay other regular sums until maturity. To
drop it, or sell it with the wife's consent, is to
take back the present. It doesn't matter much
whether a wife has a gold watch or not ; it may
be a matter of the very greatest importance
whether her husband's life is insured or not.
THE NEW-YORK ALMANAC.
47
GUARANTEES OFFERED TO
INTENDING INSURERS
BY THE
NEW- YORK EIFE INSUR-
ANCE COMPANY.
I.
IT is an old Company, and is thoroughly
established in public confidence, thor-
oughly organized, and conducted upon methods
that have stood the test of Experience.
2. It is a large and strong Company. It had
over forty-eight thousand policy-holders, Jan-
uary I, 1881, and assets to the amount of over
forty-three milhon dollars. By the standard
of the State, it had $127.39 in assets for every
$100 of liabilities.
3. It is a purely mutual Company, with no
capital stock, and no stockholders to share its
surplus or interfere with its management to the
detriment of policy-holders, to whom the Com-
pany belongs and in whose interest it is ex-
clusively managed. It furnishes insurance at
current cost, with absolute security.
4. It is a liberal and progressive Company.
It originated and introduced the non-forfeiture
system of policies, under which, in the year
1880 alone, nearly nine million dollars was
paid for surrendered policies by life companies
in the United States. It anticipated the New-
York State law on this subject, in lime, by
over nineteen years, and in liberality to the in-
sured, by giving more paid-up insurance than
the law requires.
5. It is prudent as well as liberal ; it calcu-
lates its reserve fund on the supposition that it
will be able to realize only four per cent, inter-
est, and thus keeps this fund much larger than
is required by the law. Hence no unusual
losses, or panic, or business depression can so
reduce its surplus as seriously to embarrass
the Company.
6. It is a solid and vigorous Company.
Since the panic of 1873, it has held its business
better than any other prominent life company.
No other such company in the country had,
during 1880, both a larger income and a larger
amount of insurance in force than in 1873.
The increase in the case of the New-York
Life was over nine per cent, of insurance in
force, and over sixteen per cent, of income.
7. It has not only held its own at the most
sensitive points, but has been rapidly growing
in the elements of strength and permanence.
During the last ten years, notwithstanding the
panic, the increase in assets and in interest
income has been nearly three-fold, and the
increase in surplus more than four-fold.
8. It has been a jsrofitable Company to pol-
icy-holders. Of the ninety-one million dollars
received from them, the Company has returned
to them and their families over twenty-two
millions in death-claims, and over thirty-four
inillions in endowments, annuities, dividends,
and surrender values. The amount of its
present assets, plus its payments to pol-
icy-holders and their families, exceeds
the sum received from them by nearly
eight million dollars.
9. Its report for the year ending January
1st, 1 88 1, shows almost unparalleled prosperi-
ty— a large increase in assets ; a large increase
in surplus ; a large increase in premium re-
ceipts ; a large increase in interest receipts ; a
large increase in policies and insurance, issued
and in force; and a greater excess of
income over expenditure than any
other Hfe company in the country.
10. Its securities are of the highest order.
It had the lowest ratio of uncollected interest,
January 1, 1881 (only about eight-tenths of one
per cent.), of any prominent life company, and
in striking contrast with some.
11. It is a fair-dealing Company. Its poli-
cies are notable for their freedom from vex-
atious restrictions ; the customs of the Com-
pany with respect to payments of premiums,
etc., are plainly stated, and efforts are made to
encourage and to enable every honest policy-
holder to keep up his policy. In the settlement
of claims by death the greatest liberality con-
sistent with justice is shown, as the grateful
acknowledgments of hundreds of beneficiaries
prove. By its liberal construction of the policy
contract, in cases that might have been resisted
on technical grounds, it has gained the reputa-
tion of being
"A NON-CONTESTING COMPANY."
48
THE NEW-YORK ALMANAC.
THE FOLLOWING TABLE SHOW.S THE
Progress of the New- York Life Iks. Co.
IN THE
Amount of Insurance Effected, the Income of the Company, the Sums paid to Policy-holders and their Families, and
in the Sums Held and Invested for the Benefit of Living Policy-holders, during a period of Thirty-six years.
Period,
Dates Inclusive.
No. of Policies
Issued.
Amount Insured.
Premiums Received.
Received from
Interest, etc.
1845 to 1850, 6 yrs. .
1851 to 1856, 6 yrs. .
1857 to 1862, 6 yrs. .
1863 to 1868, 6 yrs..
1869 to 1874, 6 yrs. .
1875 to 1880, 6 yrs. .
6,522
4,893
7,749
37,780
54,548
37,692
$11,652,749
12,991,712
22,258,047
116,990,083
161,737,478
117,461,078
$670,207.73
1,953,102.82
3,027,735-56
14,330,708.37
35,744,623.98
36,154,976.49
$29,432.65
263,247.53
617,689.64
2,093,800.61
6,953,369.10
11,945,269.43
Totals . .
149,184
$443,091,147
$91,881,354.95
$2 1 ,902,808 . 96
Paid to Policy-holders in —
Average Annual
Period,
Dates Inclusive.
Death-claims.
Dividends and Ret'd
Premiums on
Canceled Policies
Endowments and
Annuities.
Increase of
Assets in each
Period.
1845 to 1850, 6 yrs. .
1851 to 1856, 6 yrs. .
1857 to 1862, 6 yrs. .
1863 to 1868, 6 yrs. .
1869 to 1874, 6 yrs. .
1875 to 1880, 6 yrs. .
$188,583.62
881,079.32
1,100,781.01
2,884,734.03
7,680,254.22
9,699,842.84
$2,974.67
171,416.61
541,973 95
2,951,962.51
12,947,575.25
13,681,382.24
$3,569.84
12,993.87
138,105.84
3,489,524.06
$59,126
139,465
232,450
1,402,429
2,724,641
2,639,211
Totals
$22,435,275.04
$'?o.2Q7.28i; .2'; .1N7.6/I/1. 10-2.61
' ^' ' " ^^
As this tnble is made up before the close of 1881, it dees not include the figures of that year. At the beginning
of 1881 the Company's account with policy-holders stood as follows;
Received from policy-holders in premiums
Paid to policy-holders and their representatives, as above $56,376,753.88
Assets held in trust for policy-holders, January i, 1881 43,183,934.81
Total amount paid policy-holders and now held in trust for them . .
)i,88i,354.95
99,560,688.69
The following tables show, in brief, the Company's condition at the beginning of 1S81, and the rROGREss made
during the preceding year.
CONDITION JAN. 1, 1881.
Cash Assets $43,183,934.81
•Divisible Surplus (Go's standaxd) 4,295,096.99
t Tontine " " " 1,752.165.88
Total Surplus at 4 per cent. $6,047,233.81
Surplus by State Standard. 9,252,567.36
Policies in Force 48,548
Insurance in Force $135,726,916
• Exclusive of the amount specially reserved as a contingent
liability to Tontine Dividend Fund.
•f Over and above a 4 percent, reserve on existing policies of
that class.
PROaHESS IN 1880.
Increase in Premiums $643,794.41
Increase in Interest and Hents 284,238.84
Increase in Assets 4,186,982. 15
Increase in Divisible Surplus 1,174,725.51
Increase in Tontine Surplus 380,683 . 64
Increase in Policies issued (over 1879) 1,422
Increase in Insurance issued " $5,131,806
Increase in Policies in Force 2,843
Increase in Insurance in Force $8,309,153
Excess of Income over Expendit's, 3, 1 58,689 . 1 7
Excess of lut'st over Death-losses, 586, 167.4 7
During' the last twenty years the interest received by the Company on its invest-
ments has more than paid its death-losses. At the beginning of 1881 the amount of interest uncollected,
including that accrued but not yet due, was less than one per cent, on the investments of the Company — this
promptness in payment of interest showing the high character of these investments. These features of its business have
been widely noticed by the press as evidences of e.\traordinary prosperity, and of great skill and energy ia management.
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9th, Rural Chater Hollyhock.
A perfection flower. Three feet of brilliantly colored
rosettes — white, lemon, buff, rose, red, crimson, maroon,
and nearly black.
All except three jtever offered for sale.
$2,000 worth of Valuable Presents from
leading men of the country for the best yields
from the Rural Dent and Thoroughbred Corns, and
Wysor's Fultzo-Clawson Wheat.
Address RURAL NEW-YORKER
(for specimen copies, which will be sent to all applicants
free), 34 Park Row, N. Y.
PIONEER SUNDAY JOURNAL OF AMERICA.
THE SUNDAY MERCURY.
ESTABLISHED 1839.
Fifty-six Columns of ErLtertaining Reading Ala.tter Weekly,
for* Tw^o Dollar's per Annviin.
Havinj; the largest circulation of any Sunday newspaper in America, is mailed to all parts of the world for Two
Dollars per annum, or One Dollar and Twenty-five cents for six months, payable in advance.
THE NEW-YORK SUNDAY MERCURY,
lation of any Sunday newspaper in America, is mailed to all parts of
nnum, or One Dollar and Twenty-five cents for six months, payable in
\NM. CAULDWELL, Proprietor, No. 3 Park Row, New-York.
Staten Island Fancy Dyeing Establishment
Office, 5 & 7 JOHN STREET, NEW-YORK.
BRANCH OFFICES:
1199 Broadway, near 39th St., New-York. 47 North ElglUh St., Pliiladeli)hia.
879 Fulton Street, Brooklyn. 110 West Baltimore St., Baltimore.
Dye, Clean, aiul Refinish Dress Goods and Garments.
Ladies' Dresses, Cloaks, Robes, etc., of all fabrics, and of the most elaborate styles, cleaned or dyed
successfully without ripping.
Gentlemen's Garments Cleaned or Dyed Avhole.
Curtains, Window Shades, Table Covers, Carpets, etc., cleaned or dyed.
Employing the best attainable skill and most improved appliances, and having systematized anew every depart-
ment of our business, we can confidently promise the best results and unusually prompt return of goods.
Goods received and returned by express and by mail.
BARRETT NEPHEWS & CO. 5 & 7 Joliii St. New- York.
3M^ofifcf)es UoffisBfatf,
1 CHAMBERS STREET,
New- York City.
The onlyGerman Catholic Paper pubHshed in New- YorkCity,
ONE OF THE BEST ADVERTISING MEDIUMS.
Kinds of Policies Issued by the New-York Life,
And the Special Advantages of Each.
I. Ordinary Life Policies.
ON an Ordinary Life Policy, a certain pre-
mium is to be paid every year until the
death of the insured, when the policy becomes
payable to the person or persons named in the
policy as the beneficiary or beneficiaries.
Special Advantage. — This kind of policy
gives more insurance, for the same sum of
money paid annually, than any other, though
it may be necessary to continue the payments
longer, as according to its terms the payment
of the premiums annually is to be continued
during the life-time of the insured. But their
sum rarely equals the face of the policy.
n. Limited Payment Life Policies.
On a policy of this kind, premiums are paid
annually for a certain number of years, fixed
upon at the time of insuring, or, until the
death of the insured, should that occur prior
to the end of the selected period. The policy
is payable on the death of the insured, when-
ever that may occur.
Special Advantage. — The payments on this
class of policies may all be made while the
insured is still young, or in active business ;
then if he lives to old age the policy is not a
continual expense, but, after being paid up, the
dividends continue to increase the amount
assured, or, upon application, they will be
paid in cash.
III. Endowment Policies.
An Endowment Policy provides ( i ) insurance
during a stipulated period, payable, like that
of any other policy, at the death of the insured,
should he die within the period ; or (2), should
the insured live until the end of the period,
an endowment, of the same amount as the
policy, payable at that time to the person
insured. The premiums may be paid annually
until the endowment is due, or they may be
paid up in a shorter time, like those of Limited
Payment Life Policies.
Special Advantage, — The Endowment Pol-
icy gives the insured the advantage of a limited
term as to payment ; provides insurance dur-
ing the period in which his death would cause
most embarrassment to his family ; and if he
lives to the stipulated age, the amount of the
policy is paid to him at a time when he may
need it.
Dividends and Non-forfeiture Features.
Upon these three classes of policies, divi-
dends are declared and paid annually, begin-
ning with the second year, if the policy is kept
in force. Dividends are declared by the New-
York Life in reversion — that is, a certain
amount is added to the policy, and these re-
versions participate in future dividends ; or,
upon application, before a premium becomes
due, reversions may be converted into cash and
used in payment of premiums, thus reducing
the cash cost of the policy. These policies
are also by their terms non-forfeitable ; that is
to say, after three annual premiums have been
paid, they are exchangeable for paid-up policies
of proportionate amount, without participation
in profits, if surrendered in accordance with
their terms.
IV. Annuity Policies.
An Annuity Policy secures to the holder the
payment of a certain sum of money every year
during his life-time. It is secured by a single
cash payment.
Special Advantage. — An Annuity Policy
gives to a man who has a certain sum of
money in hand the opportunity of getting the
largest possible sum from it annually while he
lives, without the risk and trouble of ordinary
investments, and without the risk of being left
penniless in his last years.
V. Tontine Investment Policies.
This policy combines in one form the great-
est number of advantages obtainable in a life
insurance policy.
For full details, conditions, and information,
reference is made to the pamphlets on this
subject published by the Company.
NEW-YORK NEWS PUBLISHING CO.
PUBLISHERS OF THE
Daily, Weekly & Sunday News
AND
^a^cj and Soiuilag^) -7^a4<^i4^^^^-
Nev/-York Daily News Building, No. 25 Park Row.
TO ADVERTISERS.
The DAILY NEWS has the largest circulation of any daily published in the United States.
The price charged for advertisements in the DAILY NEWS is not more, and in some cases it
is less, than the price charged by journals which have not more than half or even one-third the
circulation of the NEWS. Advertisements inserted in all editions without extra charge.
The DAILY NEWS is now the Cheapest Advertising Medium in existence.
The WEEKLY NEWS has a large circulation in every section of the country. Merchants,
manufacturers, patent-medicine dealers, and all classes of business men, will find its columns a
very valuable medium to advertise in.
The SUNDAY NEWS has a large circulation throughout the city and along the lines of
the railroads leading from the city. Advertisements inserted on liberal terms ^ — at lower rates than
in any other Sunday paper published, when circulation is taken into consideration.
DIE TAGES-NACHRICHTEN has the largest circulation of any German daily news-
paper published in the world.
DIE SONNTAGS-NACHBICHTEN has the largest circulation in the city of any
German Sunday paper issued.
All classes of merchants and dealers who are seeking for German trade will find advertisements
in the columns of the Tages and Sonntags-Nachrichten reach a larger number of readers
than they would by any other channel.
THE NEW- YORK
Commercial Advertiser.
THE OLDEST PAPER IN THE CITY.
Established 1794.
The Largest Circulation of any 3-cent Evening Journal.
$9 per Year; $4.50 for Six Months; 75c. for One Month.
AN EXTRA COPY FOE EVEEY CLUB OF TEN.
The Commercial Advertiser's facilities for gathering news, both domestic and foreign,
cannot be surpassed. The transactions of the Stock Exchange, Mining Board, Produce
Exchange, Cotton, Grain, Live Stock, and Real Estate Markets are given the day of their occur-
rence, nearly twelve hours in advance of the morning papers.
NO PAINS ARE SPARED TO MAKE
The Commercial Advertiser a Home Newspaper.
p. O. BOX 304.
Address, HUGH J. HASTINGS,
126 Fulton Street, New- York City.
FRANK LESLIE'S PUBLISHING HOUSE,
53, 65, and 57 Park Place, New-York.
TERMS TO SUBSCRIBERS-POSTAGE PAID.
Frank
Frank
Frank
Frank
Frank
Frank
Frank
Frank
Ijeslie's
Leslie's
Lieslie's
liCslie's
Leslie's
Leslie's
Leslie's
Leslie's
Illns. Newspaper (weekly) .$4.00
Chimney Corner " 4.00
Illustrirte Zeitnni? " 4.00
Boy's and Girl's Weekly.. 2.50
Sunday Magazine (montlily) 3.00
Popular Monthly 3. 00
Lady's Magazine (monthly) 2.50
Budget " 2.00
Frank Leslie's Pleasant Hours (montWy)$1.50
Frank Leslie's Holiday Book (annual) 1.00
Frank Leslie's lUus. Almanac — " .25
Frank Leslie's Comic Almanac... " .10
Frank Leslie's Popular Monthly, Vols.,
bound in cloth, with Ink and gold stamp... 2.00
Frank Leslie's Sunday Magazine, Vols.,
hound in cloth, with ink and gold stamp... 2.00
CLUB TERMS-POSTAGE PAID.
Any person orderingyive copies of either ptiblicatioti for one year at full rates {to be sent to different
addresses) will receive an extra copy to his address free.
One copy Lady's Magazine and Illustrated Newspaper, one year $5.50
One copy Lady's Magazine and Chimney Corner, one year 5.50
Onecoijy Illustrated Newspaper or Chimney Corner and Budget, one year 5.00
One copy Illustrated Newspaper, Chimney Corner, and Lady's Magazine, one year 8.00
One copy Popular ]>Ionthly and any one ot our $4.00 puhlicacions, one year 6.00
One copy Sunday Magazine and any one of our $4.00 publications, one year 6.00
One copy Pleasant Hours, and anyone of our |4.00 publications, one year 4.75
[^p°' Our publications are always stopped when the term of subscription expires. It is not necessary to give notice
of discontinuance.
IJ^^ Specimen copies of all the Weekly and Monthly Publications sent on receipt of 30 cents in postage stamps.
'^W' In sending subscriptions, or corresponding, be careful to send name and address in full.
^^^ We cannot change the name or address of a subscriber unless he gives us his former as well as his present
address, also name of paper.
%^^ Note. — The number or date with which a subscription ends is indicated on the printed address.
In remitting hy mail, send JP. O, Order, Draft, or Registered Letter, payable to the order of
FRANK LESLIE'S PUBLISHING HOUSE, 53, 65, and 57 Park Place, New-York.
American Fire
INSURANCE CO. OF NEW-YORK.
[ORGANIZED 1857.]
JNTo. ISO Broad^A^ay.
STATEMENT, JULY 1st, 1881.
CASH CAPITAL $400,000.00
Net Surplus 582,698.07
Assets (available for Fire Losses) $982,698.07
Unearned Premiums and other liabilities 110,921.90
TOTAL ASSETS $1,093,619.97
Policy-holders in this Conipatiy hafe incvecised protection under the guarantees of the
New- York SA.FETY FUND IjA.TVf tinder which, in case of an extensive conflagration,
The Company cannot be destroyed;
The Company cannot go into the hands of a Receiver ;
The Company can pay more to claimants than if not under the law;
The Company can pay all claims promptly, saving the extraordinary delays and expenses inci-
dent to a Receivership;
The Company can and does protect every unburned Policy-holder — and this is of vital interest
to Mortgagees and other collateral holders, who have uninterrupted indemnity.
This Law is of greater benefit to Policy-holders than any ever before enacted.
JAIVIES ]?I. IIAL.SXE:1>, Pi-esi<lent.
DAVID ADEE, Sec'y HENRY DAYTON, Gen'l Agent. W. H. CROLIUS, Ass't Sec'y.
Importers and Traders
INSURANCE COMPANY.
Office 1B8 Broad\vay, New-York.
STATEMENT JULY 1/ 1881.
ASSETS.
Bonds and Mortgages $33,4SO
United States Government Bonds 311,400
N. Y. Central, and Harlem Railroad Stocks S6,500
Bank Stocks 1N,<>00
Cash on hand and in Bank 3,453
Interest accrued 3,S93
Premiums Unpaid 18,354,
Demand Loans 14,000
$348,355
LIABILITIES.
Capital Stock $300,000
Unpaid Losses 10,560
Re-Insurance Fund 45,000
a!i355,5CO
Surplus $93,095
DANIEL A. SMITH, Secretary, JOSEPH BROKAW, President.
LONG ISLAND
INSURANCE COMPANY.
203 Montague St. 176 Broadway,
BROOKLYN. NEW-YORK.
JULY, 1881.
Capital $300,000.00
Re-Insurance Reserve and Liabilities 78,339.14
Net Surplus 167,702,04
Assets $546,041.18
JONATHAN OaDEN, Vice-President. "W. L. COBTELYOU, Pres't.
HENRY BLATCHFORD, Secretary.
Incorporated 1836.
CITIZENS
INSURANCE COMPANY
OF NEW-YORK.
No. 156 Broadway.
This Company has passed through all the great conflagrations of over thirty years, without
impairment of its Capital or omitting a Dividend to its stockholders.
Cash Capital $300,000.00
Reserve for Unearned Premiums, Losses, and other claims 190,220.86
Net Surplus 481,487.09
Cash Assets, July i, 1881 $971,707.95
EDWARD A. WALTON, Vice-President. JAMES M. McLEAN, Pres't.
FRANK M. PARKER, Secretary.
C/t<L^-A^^C-^^^^A^-^-^^^^^1^^
mMMEMM
Thirty-seven Years' Business Experience.
NEW-YORK LIFE INSURANCE CC
PURELY MUTtJAIi. DIVIDENDS ANNUALLY.
Surplus, New-York State Standard, over $9,500,( >u
AGE. STRENGTH. CAREFUL MANAGEMENT.
1,000,000 Paid to Policy-hol> '■'
CASH ASSETS, OVER
50,000 Policies in force.
ANNUAL INCOME, OVER
$9,000,000 145,000,0^
■ ::%
The Company's Home Office, 346 #c 348 Broadway, New- York.
mHP, NEW-YORK LIFE INSTJKANCE COMPANY has heen doing business for thirtj
1 seven years, and now offers to those desiring Ufa insurance a Combination of Advan
taees which only long exRerienoe. a large and well established business. ^d caxeftiU
pe?fected plans and methods can afford. Among these advantages are: (1) Th« at.solu
Security of its PoUcies. (2) Insurance at Low Cost. (3) Liberal and Equitable Deahng.
HaTrtng always been a purely mutual Compaaiy, policy-holders receive their msuxance
current cost, and its age, strength, prosperity, and economical ^^"^f^'r®"*''"^!^
to reduce that cost tolhe minimum. The Company is conducted m the interests of poU.
holders alone. In the decision of questions involving their rights the invariable rule is
consider, not the technical legality of the claim alone, but also its real Justice
The ion-forfeiture system of life insurance policies originated with this company
1860. and has since been adopted-though someUmes in questionable forms-by all oth
companies. This feature saves millions of dollars every year to policy-holder
and for this they are Indebted primarily to the NEW-YORK LIFE. The system
now perfected by the NEW-YORK LIFE secures Safety to the Company (without wh:,
aU interests are jeopardized), and Justice to the msured. „. ^ , . ,
MORRIS FRANKLIN, President. WILLIAM H. BEERS, Vice-Pres. ajad Actuary.
^Seodore M BANTA Cashier. CHARLES WRIGHT, M . D. ) Medical
D^DELLfsup-t ^etn^es. HENRY TUCK, M. 6. i Exammers.
^^IrS^'y'^V^'T^T^'^^'^^':
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